vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: LEXISNEXIS
State: VA

Complaint narrative:
LexisNexis is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, Lexis Nexis stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide LexisNexis this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp LexisNexis along with my Identity Theft Affidavit. The company has not responded. to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2021, I mailed a letter to TransUnion to remove a dispute on the XXXX XXXX tradeline. I am in the process of refinancing and underwriting requires the removal of disputes from tradelines. I never received a response and made a complaint to the Consumer Financial Protection Bureau regarding the lack of response from TransUnion on XX/XX/XXXX, XXXX.TransUnion responded that they were putting a dispute on the tradeline instead of removing it! I again complained on XX/XX/2021. TransUnion responded on XX/XX/2021 that they were going to investigate and close out the complaint within thirty days and mail me the results. It is now XX/XX/2021 and I have not received a response. My refinance is on hold due to TransUnion 's failure to remove a dispute from my XXXX XXXX tradeline. It does not take five months to remove a dispute. Due to TransUnion 's failure to remove the dispute, I may lose the great rate I was offered. I need TransUnion to remove the dispute immediately and send me an updated credit report demonstrating that the dispute was removed. I await TransUnion 's response.

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 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened TD Bank account on XX/XX/XXXX in branch for the {$300.00} bonus. TD Bank never paid the bonus and asked me to wait and wait. My friend opened the account and I on the same day. He got the bonus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1. Got credit line XXXX. CareCredit/Synchorny Bank . I request XX/XX/2020 but unfortunately, they put a wrong address. I did not received any paper or statemen, we are under Pandemic situation and no payment should be honored in this frame of time. 
2. After a couple calls, I find my number and start to make payments XXXX, they send a statement with deferred interest charged for 18 months ... .. about {$610.00}. 
3. NOBODY never explain about DEFERRED interest will be charge in full if you do not pay in 18 months .... I only have 12 months pay the card.. 
4. They set up a lower payment ... $ XXXX every month .... This is deceitfulness?? They should be set up a equal payment the whole amount not the lower ( around $ XXXX every mouth ). 
5. I pay on time, my last balance was {$1800.00}, and for sure I agree to be charge for this amount of money, I think was around {$480.00} ... .. but not 6. I got a interest {$1300.00}, they said is 26 % .... but I don't know from what!! 
7. I contact costumer services, no explain about it, and no willing to negotiation at all. 
8. I had a previous credit line whit this company and they set up a equal payment for 1 year, no interest and I had not problem before.

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 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WY

Complaint narrative:
XX/XX/ I received a letter from Usbank that my child support that was on their reliacard will be closing as Wyoming was not going to be using usbank any more. I was incarcerated in XXXX XXXX at the XXXX  XXXX XXXX XXXX. I had contacted them with my caseworker so i could see how to received my remaining funds, they told me a check would be issued 5-7 days. I had called after several weeks had gone by because i had not received by check from my remaining balance of {$280.00}, they said it may have went to my old address they would trace the check. I received a slip that the facility had received the check the same time i had talked to them about tracing the check. I contacted them the next day with my caseworker, they said have the facility cash the check which they deposited it. I received a second check a few days after that contacted Usbank with a casework on XX/XX/ they said yes both checks where cashed and i know owed them {$280.00}, so i contacted my casework and we called my daughter in law to send them a bank money order to usbank so i would be doing the right thing and returning them the money, my daughter in law went to the bank that same day and got a bank money order for {$280.00} and sent it certified mail, but a few days later the money was pulled back off my account for check number XXXX i have been contacting them right after XX/XX/ to get my payment back they tried to say the facility had it but the facility worked with me and gave me the stop payment letter from the bank. The bank refused to send me my money back. I have tracking where my money order to them was signed by their employee, i have the stop payment from their check. I have emailed copies of all this numerous times to usbank employees, called numerous times, went into the Usbank. I went into the pinnacle bank which is what the facility uses and they have gave me copies of the stop payment so i had paid them back from one that they stopped payment so i wouldn't owe them and they are kept my money and wont return it!!!!! They wont even trace it to see that they stopped payment even when i have gave them a copy several times of the stop payment, XXXX XXXX is saying that usbank stopped payment and that is why they pulled the money off my account and usbank saying they didnt stop payment so im out because they cant figure it out after i provided all the documents from them both! I just want my {$280.00} back that rightfully belongs to me 3 years waiting is to long especially after notarized letters i have sent and the numerous amounts i have sent them documentation.

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 2021-10-25 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:
Currently I have been reporting fraud on my XXXX XXXX account. I keep being charged by XXXX XXXX XXXX on Behalf Of XXXX XXXX, XXXX XXXX XXXX. I have never opened any type of account with either Company, I did report this many times to XXXX And Trans Union Many... Many Times but they keep putting this back on and deleting stuff that I actually owe They recently took XXXX off my Account When I actually do own that account I personally walked in and opened that XXXX account to start my Credit when I was younger I only stayed XXXX because I was letting you guys know I had existing accounts that were actually mine with debt and I wasnt complaining about it I dont know who is responsible but they took that the wrong way I Need XXXX XXXX  On My Account Im only reporting fraud On The accounts XXXX XXXX XXXX keep bothering me about ( XXXX XXXX XXXX ) which are accounts that were open fraudulently My car was stollen from the front of my house on XXXX XXXX XXXX in XXXX on XXXX  I just found out these accounts were open around XXXX and they have a address in the same city of XXXX on The account that isnt mine I received this info by an employee due to a call I had made to the XXXX XXXX XXXX to complain ... I also just received the police report of my car being stolen from the front of my house!

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts that appear on my credit report do not belong to me and are hurting me. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, XXXX XXXX stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide XXXX this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp XXXX along with my Identity Theft Affidavit. The company has not responded. to my complaint

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 2021-10-25 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: VA

Complaint narrative:
XXXX is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, XXXX XXXX stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide XXXX this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp XXXX along with my Identity Theft Affidavit. The company has not responded. to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
Common Wealth Financial is reporting a fraudulent account on my credit.. 
I didnt authorize anyone to open this account and I am requesting ther removal of this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had sold a phone to someone online and i had reset the phone but they soemhow restored my info i initiallty took off. They logged into my cashapp account and transferred {$160.00} to a random person whom i do not know, named XXXX XXXX. i called the company, chatted with them, numerous times and my ultimate final decision was that they couldnt do anything and all i could do is request a refund from that person that took the money. i did that even tho it was stupid and pointless and low and behold i never got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: FL

Complaint narrative:
I saw a report on my credit history of an account on collection and a derogatory mark on my credit without even knowing about debt, that happened on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that I owe an x amount to a cellphone operator which I didn't know I had without even giving me the chance to review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I got the following email from Chime this morning without any further explanation : Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2021, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

When I try calling to speak with someone, it recognizes my phone number and hangs up on me. When I try logging in, it will not allow me. And when I email them they refer me to to reference their agreement titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX. 

I have money coming back to my debit card and that company told me to let Chime know but they are not getting me answers. I also have a bank transfer that is in process for {$6000.00} but I have no idea if that will bounce back to the origin bank or if that money will stay in limbo. I am shocked to see how many other people have had the same thing happen to them. In the past, Chime asked me for supporting documents when they tried saying I had unusual activity and I provided them with everything they asked for immediately. I need help and do not know who can help me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity bank is showing me 30 days late, however, I paid my card off in full. I got a bill from them more than a month later showing me late for {$14.00} and a late charge. I called them to find out how I could be late when I had paid my account off. They told me that I was charged a finance fee AFTER I had paid my account off. I had no knowledge of this fee so could not possibly pay it within 30 days. The person I spoke with reversed all of the charges and fees at which time I closed my account. I do not want to be in business with shady dealings such as charging fees after an account is paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX XXXX has refused to correct my credit report. They have continually showed 90 days late for the period of 3 years after I filed chapter XXXX bankruptcy. They still show the account as open and will correct the information after repeated disputes. I am currently on the XXXXth dispute with the credit bureau to get this information corrected and they have once again failed to remove the 20 90 days late since getting protection under Chapter 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 2021-10-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Due the pandemic this policy was canceled and I was still being charged by this company. I have reached out to this company numerous time to have this issue resolved but it still has not. 
XXXX XXXX XXXX XXXX. 
Collection Amount {$2800.00} This inaccurate information is affecting my credit score in a negative way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed 2 unauthorized inquiries on my credit report by done by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, I then contacted Equifax via mail on XX/XX/XXXX and disputing the two inquires, i asked them to investigate and remove this, I did not apply for anything with XXXX XXXX XXXX, someone else applied for something in my name. 
Equifax sent me a notice back stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I contacted XXXX XXXX on XX/XX/XXXX, they told me to dispute the inquires through Equifax and they will remove them. 

Therefore I filed another dispute online on XX/XX/XXXX and XX/XX/XXXX disputing the same two inquiries from XXXX XXXX XXXX  and once again I received a response stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I called Equifax at XXXX on XX/XX/XXXX and spoke to a XXXX at XXXX CST about the inquiry disputes, he refuse to put them in investigation, XXXX stated that " that inquiries CAN NOT be disputed and CAN NOT be removed. I told him that per the Fair Credit Reporting Act all Unauthorized transactions must be investigated and removed. He refuse to assist, I then asked to speak to a supervisor, XXXX stated that his supervisor does not have the authority either then he place me on hold for 40 mins and then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I ordered a new phone from XXXX XXXX XXXX on XX/XX/2019, but the phone never arrived. I had several phone calls with XXXX XXXX XXXX about this new phone which was supposedly being sent by XXXX. I also had a few lengthy chat sessions with XXXX XXXX XXXX about me NEVER receiving this phone ( see my chat transcript on XX/XX/2019 which I included as an attachment. ) Because the phone never arrived and I was " phone-less '', I was forced to leave XXXX XXXX XXXX and switch to another phone provider. When I left XXXX XXXX XXXX, I paid my final bill in full, with the exception of the new XXXX XXXX XXXX phone because it was never delivered by XXXX and I never received it.

Company response to consumer: Closed with explanation