vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
New alerts from Experian. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card provided by Goldman Sachs does not allow you to pay balance on account until such balance is posted. 
The issue with this is that your credit score is impacted when you have a pending unpaid balance. 

In my circumstance a purchase of about {$500.00} occured on XX/XX/XXXX and I can not pay my balance until XX/XX/XXXX of XXXX 

I called their technical support to remedy this issue who stated that I can not pay my balance as a matter of policy. I spoke to XXXX - id XXXX at about XXXX eastern time. 

Further XXXX did not offer a complaints process and stated that the company does not have a grievance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MD

Complaint narrative:
On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.

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 2021-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Around XX/XX/2020 I made a request to Equifax to remove the security freeze from my credit file so I may obtain a fair credit decision, but I've found out recently that the freeze is still on my files and I'd like to have this freeze permanently remove so I can establish credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21, I was notified by Bank of America automatic fraud alert system that my credit card was being used in a manner that was suspicious. As I had the credit card in my wallet at the time and was not being used, I called the fraud phone number and notified Bank of America that these were fraudulent charges. My card was then deactivated, but {$250.00} was already charged to this card fraudulently. I submitted a dispute stating that these were fraudulent charges, but 3 weeks later, Bank of America ruled against me stating that my card was used at that time therefore it was not fraudulent and billed me for the full {$250.00}. On discussing with the representative for Bank of America, I was notified that a new credit card was sent to me a few weeks prior to XX/XX/21, but that I was not notified that I was being sent a new credit card in the mail and never received this new card. I requested that my case be re-opened for investigation as it was likely that this new card that was sent in the mail was stolen and was used fraudulently. 

I have called Bank of America every single day since then and each representative in the fraud department has given me a different answer in regards to my case being re-opened. I have had different representatives tell me that the case was re-opened incorrectly or that there was no record of the case being re-opened. I have asked to speak to a manager each time and each manager has promised me to re-open the case but every day when I have called, there is a new reason ranging from the case was not re-opened correctly or that the case does not exist in the system. I have spoken to multiple representatives at Bank of America and no one has been able to help me with this.

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an HSBCNet XXXX XXXXXXXX XXXX XXXX account on XX/XX/XXXX that came with a {$300.00} referral sign-up bonus promotion. The requirements to receive the bonus were to deposit {$5000.00} within 30 days of account opening and keeping this deposit in the account for 90 days. I deposited {$5000.00} on XX/XX/XXXX and have kept it in my account ever since, as of XX/XX/XXXX. The bonus should have been paid out within 8 weeks of the full bonus qualification, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and I still have not been paid, even after contacting HSBC multiple times by phone and email and being told that the bonus will be paid shortly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 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: MD

Complaint narrative:
On XX/XX/2021 I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive reporting of 5 accounts and mistaken identity of wrong personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LA

Complaint narrative:
On XX/XX/2021 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. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-04-07 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: MD

Complaint narrative:
New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-07 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: MD

Complaint narrative:
New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-07 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: MD

Complaint narrative:
On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
This is a complaint against Axos Bank. I strongly feel that I have been XXXX  and harassed, and treated unfairly by this bank. On or about XX/XX/2021 I opened my account and was constantly having issues with their Customer Service representatives who do not conduct business in ethical/respectful manner. The CSR told me he is working from home and had made fools of customers in his last Insurance job, and asking me personal questions, passed remarks which made me very uncomfortable. I requested to speak with the Supervisor. After weeks of waiting I got a random call from Axos Bank, the person named " XXXX  '' called and I told him about the interaction I had with his agent, he basically laughed and joked about it. I asked to speak with his Manager and he refused. 
On XX/XX/2021, I called Axos Bank inquiring about a check. The CSR who answered the phone seemed very agitated and angry. She said why I was calling, I asked her when is this check going to clear and be available in the Balance, She responded, I forgot to verify you even though I came verified over the automated system. After verification, she said which transaction declined from merchant. I reminded her politely that this is not the reason I was calling, but rather is about a check clearance. She immediately got very upset and start raising her voice. I requested to speak to her Sup, she refused. Call ended. 
After 5 minutes I got an email from Axos Bank that they are CLOSING MY ACCOUNT. I feel this is a retaliation and I was just been honest and transparent in letting the CSR know the reason of my call. This is such a dishonest, unethical and unprofessional way of conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}

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 2021-04-07 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:
I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
I reached out to the company and they advise me to contact the credit bureau.

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 2021-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/XXXX, I received a call from a person claiming she was from Citi bank and that they are providing a top-up loan of XXXX XXXXXXXX. She called me 1st and then we have a discussion on the Business XXXX number of Citi bank. she asked me to purchase term insurance from XXXX XXXX XXXX for XXXX to get the top-up loan. She sent me the application form on XXXX and asked me to fill it along with my Identity proof. During this whole process I spoke to 2-3 members and they were very professional so I thought it was a legit deal. After I made the 1st payment of XXXX, they asked me to pay another XXXX for Citi bank account opening since I didn't have any, which I paid. After that again they asked me for money and at that time I asked them to cancel my application. It was told to me then that ill get a refund in 20 days but I didn't. After getting of number call from Citi bank customer service I found out that the loan was a fraud and they took XXXX for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reached out to the company and they advise me to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Social Finance, Inc.
State: CA

Complaint narrative:
I reached out to the company and they advise me to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NV

Complaint narrative:
Experian continues to report fraud information on my report despite numerous attempts to make them understand that they are not mine. My maiden name was XXXX XXXX XXXX XXXX and I found out that my Now late father had opened numerous accounts using my information without my knowledge. I have sent Experian a police report, a FTC Identity theft report copies of my marriage license to show my name change my drivers license my Social Security card proof of address and still these remain on my report. 

The three fraud accounts on my report are XXXX XXXX XXXX XXXX XXXX XXXX I dont know at this point how I could be any more clear with them and they do nothing

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 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received numerous phone calls ( 15 USC 1692 c & d ) from Midland Funding regarding assumed debt on a positive balance ( 15 USC 1692 b 2 ). I submitted a final debt validation letter before contacting CFPB requesting a wide range of information as a consumer and only received the information they wanted to provide ( 15 USC 1692 g ). They have violated my reputation ( 15 USC 1681 ) as a consumer and I am demanding they zero out the balance on this account and deletions from all consumer reports. 

Served XX/XX/XXXX - XXXX XXXX  {$3500.00} Multiple verification letter sent, final debt validation letter sent XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 THE WEST
State: CA

Complaint narrative:
I had a dispute with " bank of the Bank '' on one of their credit card transactions which they were not resolving. I always paid my card on time and took great care of my Credit card, in return as a revenge because I took them to the court they closed my Credit card. ( Please see attached letter I received from them ).

In this country if you will take a credit card to Court you will end up getting your credit card closed. This is such a cheap Credit card company and Bank, I never expected this out from them. I am really surprised, how can they do this with me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NY

Complaint narrative:
I XXXX XXXX XXXX am contacting you because I am so emotionally distraught about the compromising of my social security number, Email Login, and passwords. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and both is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, but you still accepted my information and reported it to the public. 15 usc1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now criminally and civilly liable of identity theft and i plan to file litigation in this matter.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me withing 24 hours of receiving this dispute letter. Your company does not have the jurisdiction to put whatever you want to reportt on my credit report, if so please send me a document specifically stating your jurisdiction over me and what I CHOOSE TO HAVE REPORTING TO MY CREDIT REPORT. I am a single father who is struggling during the pandemic and the last thing I need is the credit Bureaus to be reporting false misleading information on my report. there are accounts listed on my account that don't even have contact information for me to send the company a direct Dispute. that is not fair and actually that is illegal.The following items below do not belong to me and is a result of fraud that I did not authorize

Company response to consumer: Closed with explanation