vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a Vanilla Gift Card in the amount of {$500.00}. I activated the card and checked to verify the card balance. The balance showed {$5.00}. I immediately called the phone number on the debit card and was told that a company named XXXX XXXX had charged {$490.00} on the card upon activation. I immediately advised the agent that I had not made the charge and she declined the charge. On XX/XX/XXXX my card was charged again by XXXX XXXX for {$490.00} which left {$10.00} balance. I called the company back again and asked the agent to decline the charge. She told me I had to contact the vendor to receive a credit, but she had no contact information. She cancelled the card and said she would submit a request to reissue a new card. She also stated that it could take up to 90 days to resolve the issue. I waited until XX/XX/XXXX for a response and never received any response. I called again and was told they had no record of my initial complaint. They said they would send me a complaint form which I received, completed and returned on XX/XX/XXXX. I immediately received an email stating they had complaint and would receive a response within 90 days. I waited until XX/XX/XXXX for a response and emailed the company asking the status of my complaint. As of today no response had been received. Upon looking up XXXX XXXX only to find out that the company does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian ( credit reporting agency ) several times over the past year regarding fraudulent accounts that were opened in my name. Experian responded and told me that if I mailed my driver license, proof of mail and social security they would block the fraud accounts ( XXXX XXXX # XXXX and XXXX XXXX # XXXX ). Once I mailed in the information I called and was told by a representative that the accounts could not be blocked even with the FTC report I mailed in. I followed their instructions and they still refused to help me. The above referenced accounts are still reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-03 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: NY

Complaint narrative:
On XX/XX/2022, I used my Capital One credit card to purchase flights from the XXXX website. Later that same day, I called XXXX to modify my reservations and was advised that this would cause additional fees. I told the agent to cancel my reservations and was place on hold. Capital One apparently suspected fraud and utilized its Account Validation system to prevent XXXX from proceeding to charge without my permission. It worked. I hung up from holding with XXXX and called Capital One. The Capital One agent advised that the charges could not yet be disputed as they were still pending but unfroze my card and said these charges would all be considered disputed once processed. 

Subsequently, both XXXX and I submitted documentation to Capital One. Although initially agreeing with me that these charges were unauthorized, Capital One has now reinstated most of the disputed charges. 

XXXX has falsely claimed that I agreed to settle this dispute. Despite my demand, Capital One has not provided any evidence ( since there can not be any ). 

Capital One has not formally acknowledged my responses disputing these charges. I have still not received and only learned of Capital Ones XX/XX/XXXX letter regarding a related claim by visiting your website. Its messaging web page is used only to memorialize communications favorable to the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, a " company '' named XXXX XXXX XXXX XXXX charged may card 3 transactions that were cleared by Robinhood. One for {$160.00}, another for {$85.00} and the last one for {$41.00}. The company continued to try to charge my card over and over again to see if they could get as much as they could from my account. The last 3 transactions they tried, which were declined due to me locking the card, under the name XXXX XXXX XXXX XXXX. These transactions were made in XXXX and I am in XXXX, Ga. I called into Robinhod the moment I realized, locked my car, transferred what left they had not took and disputed the transaction once it was cleared. Two days later Robinhood tries to say they can't find evidence this was not authorized, when it is obvious seeing in the screenshots I will provide they continued to charge my account different amounts to see what was available to take from me. I've called Robinhood twice with no help and told they will email the dispute team, with no response. I've emailed them twice, with no response. But they continue to send me emails saying they have not heard from me and have now closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
15 USC 1681 Privacy is a part of Law, and they Violated that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I created a recurring transfer to automatically pay my mortgage serviced by Truist via ACH on a monthly basis. I later attempted to cancel the recurring transfer at https : //bank.truist.com/web/tap/transfer/transferActivity so that I could make manual payments each month. Despite selecting " delete series '' to delete this recurring transfer ( multiple times ), the recurring transfer continues to re-populate and draft from my account each month. The net result is that there is no way to delete a recurring transfer via Truist 's web interface and Truist continues to ACH draft my account each month. In addition, upcoming ( scheduled ) ACH payments do not show up in the Account Overview @ https : //bank.truist.com/web/accounts/i/<your account hash> under Activity > Upcoming, they only show up under Transfers > Manage Transfers, resulting in confusion about whether or not the schedule payment will be processed. The scheduled transfers do not appear to be available to view or delete via Truist 's mobile app. 

I attempted to resolve this by calling Truist customer service ( multiple times in XXXX, XXXX ), but the Mortgage/Loan department believes that it is a problem with the online banking department, and the online banking department transfers me back to the Mortgage/Loan department. The result is that neither party is able to cancel my recurring ACH payment, I am not able to cancel it via Truist 's website, and it has resulted in multiple accidental double payments that are a financial burden.

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 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a Notice of Service Transfer for my home mortgage from XXXX XXXX to Truist Mortgage in XX/XX/XXXX with an effective date of XX/XX/XXXX. I began monthly payments ( principal, interest and ESCROW ) to Truist Mortgage on XX/XX/XXXX. A XX/XX/XXXX statement from XXXX showed a payment of {$2200.00} for COUNTY Tax was issued in XXXX, XXXX. This amount was short of the TOTAL County Property Tax ( XXXX XXXX, GA ) issued in XX/XX/XXXX for {$2500.00}. I believe the check of {$2200.00} was issued to TRUIST from XXXX for the Escrow months of XXXX XXXX and that the remaining balance ( + {$310.00} ) to be paid from XX/XX/XXXX escrow at Truist Mortgage XXXX On XX/XX/XXXX, I received a PAST DUE Property Tax bill from XXXX XXXX, including late fees. I contacted Truist Mortgage Tax department on XX/XX/XXXX. Their records indicated that a " check was issued '' in XX/XX/XXXX in the amount of {$2200.00} but had no other information... who sent the check, was it cashed, etc. The Customer Service Rep opened an inquiry on my behalf. I never received a response regarding this inquiry so I followed up with Truist Tax Dept on XX/XX/XXXX. The Customer Service Rep indicated that a NEW check has been requested but not processed. Also, there was NO information regarding the status of the original check and why after almost 4 months since the transfer of my mortgage to Truist. A Complaint was filed with the XXXX XXXX XXXX on XX/XX/XXXX and a Representative from Truist reached out to me on XX/XX/XXXX. XXXX XXXX indicated a Case was " opened '' and it would take at least 1 week to review. This timeline is NOT acceptable as I made TRUIST aware of non-payment of by County Tax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. This Property Tax bill should have been paid by TRUIST on XX/XX/XXXX. TRUIST Mortgage has mishandled and misappropriated funds in my Escrow account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I purchase an aircraft part on XX/XX/2023, from a now proven fraudulent website that has since closed down using my Visa credit card. Because the merchant only accepted payment via XXXX for the merchandise, with a Link they provided, I used my credit card to make that payment of {$2000.00} for the aviation parts through the merchants XXXX link he provided. I have a detailed receipt/invoice from this merchant for the goods I purchased. The Seller 's website was closed down due to being fraudulent and my credit card company will not dispute the charge. They claim because XXXX was used by the merchant, they can not dispute that charge. However, on the XXXX website, it says if you have a dispute feel free to contact your credit card company and do a chargeback. 

So now neither XXXX or my credit card company will dispute the charge of {$2000.00}. I was also charged a transaction fee of {$60.00}. 

XXXX does show my transaction as a purchase of goods. 

I just reported this merchant to the police and the FBI. The police report will be available in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: SC

Complaint narrative:
I submitted a complaint last XX/XX/XXXX for the Bankruptcy on my credit report and it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. The CFPB closed this complaint because they said it has already processed my earlier complaints about my problem. I am creating this complaint hoping that you will assist me this time because I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
If I can get a timeline for resolution and a personal contact to follow up with through email I will let the complaint be closed. If that can't be done I will leave a complaint open start and start pursuing other avenue to get a resolution to this. Including but not limited to contacting my congressmen, finding personal messages to American Express employees and forwarding this to my attorney. 

It is unacceptable to me for my complaint to be closed as if there is a resolution when there isn't one. I am re-submitted a complaint that didn't come to a resolution with my credit card company and will keep one open until there is a resolution. Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express XXXX We would like the card to be reinstated and to regain access to our rewards dollars. The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On the XX/XX/2023 SYNCHRONY FINANCIAL have an prequalified tool that I used on their website that advised multiple places on the page that Ill will not affect my credit score and after processing the pre qualification they put an hard inquiry on my credit report that I did not authorize. This false advertising on their website. I would like for this company to update this information on their website and remove this inquiry 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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have provided this loan service provider with XXXX XXXX XXXX information, which I was approved by the insurance company. I filled there XXXX forms not that long ago, and they keep sending me to fill out the forms. I have not been told or suggested how often should I be re-filling this forms. As my medical provider can not be filling this forms every month or every other week. I am 'XXXX labeled XXXX due to my XXXX XXXX and as my attending physician informed me that my injury is not something that will change for the better or remedy itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi, Please keep in mind, I have copies of letters sent and dispute history. Dating back to late XXXX XXXX, That was my first attempt to fix my Consumer report. I got nowhere with that investigation, and no solutions came about. A year later, XXXXXXXX XXXX XXXX  I sent a reinvestigation letter for Experian to look into the disputes made. Again, my issue wasn't resolved as my right as a Consumer under 15 U.S. Code 1681d. 

Between XXXX through XX/XX/XXXX, I have sent letters requestion reinvestigations. again, no results. 
XXXX through XXXX XXXX I have started making copies of all letters sent requesting a reinvestigation of my disputes and each time, I have received an email titled : " Your dispute results are in '', I input the information given by Experian and enter my Personal Information, just to see again that there as been no changes. 
Within these requests, I have asked Experian to investigate the 4 reporting names on my Consumer report since this allows my Personal Information to be subject to Fraud. Again, no changes. I have also request that a current Charge off from XXXX XXXX XXXX, Whom I have attempted to make a complaint on also but XXXXXXXX XXXX XXXX is not in the CFPB Complaint System. The CFPB forwarded my complaint to the Federal Trade Commission and the Consumer Sentinel Network. 
( XXXX ). 

I also made a claim with Experian thought my Business XXXX  Account ( a paid monthly account ) relating to potential Fraud and requesting an investigation since XXXX XXXX XXXX is reaching out to Family members requesting a photo of my I.D . I have been told that my request can not be solved and I was then transferred back to CFPB. 

Now, I am filing a complaint and will be taking legal action. I know my rights as a consumer and feel confident in this motion.

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 2023-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 a account without my written instructions Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX. 30days has passed and Experian has not notified me of any investigation results. 

This is a violation. This is impacting me from moving forward to buy a car for my growing family. I attached my credit report which shows the credit bureau reporting incorrect date open. Incorrect last date reported. Incorrect last date active.

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