vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
This debt is not mine. I never signed a contract with this company William and Ferch or XXXXXXXX XXXX I have never lived in XXXX XXXX XXXX Nevada. I have been at my home address for 10 to 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to SYNCBXXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is XXXX responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from SYNCBXXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : XXXX Hard Inquiries XXXX via SYNCXXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On Saturday, XX/XX/2023 I was making a Delta Airlines booking. At the point of payment, I was offered a signing bonus of XXXX miles plus {$400.00} credit if I spent {$2000.00} with 3 or 6 months AND a {$400.00} credit toward a Delta flight if I booked one within 6 months if I applied for their AmEx Delta SkyMiles Gold credit card. I signed up for this card. As I hit submit to purchase this, the system did not take the payment. I then received an email that gave me access to my card number with a temporary CVV code. I went back to the Delta website and booked my flight. 
I called AmEx on Monday, XX/XX/2023 and asked when my credit was going to be posted. After their review, they said that I was not eligible for the offer and that I received a pop-up saying that I was not eligible for the offer and if I wanted to continue. They said that I clicked yes to this. There is NO way that I would have signed up for this without the bonus as I was expecting this to pay for my flight to Kansas. I would have just put it on another card. We went back and forth and it turned into a he-said, she-said event. 
AmEx offered my a card with certain bonuses that were not given to me. This was basically a bait and switch. I would like AmEx to fulfill the bonus that I signed up for. 
I made sure to take a screenshot of offer as I have heard companies trying to deny that an offer was ever made or that the offer is less than was is published.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be inaccurate. Removal of this unauthorized Hard Inquiry

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 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I busted an XXXX in my XXXX  so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
We are currently pursuing a VA loan assumption through Loan Depot. This process began in mid XXXX, XXXX and is still ongoing. We received virtually XXXX communication until XXXX, when we reached out and began asking for answers. We were then told there was missing documentation. Some of the requested documents we had already provided back in XXXX, but Loan Depot either lost them or never included them in the packet. We provided all requested documentation plus additional, within 48 hours of it being received. Requests came piecemeal, with minimal explanation, and some items requested from us ( the buyers ) were information that could only be provided by the sellers. We continue to receive virtually XXXX updates unless we reach out consistently, emails often barely contain complete sentences, and there has been an egregious number of errors made in basic communications. For example, getting email addresses incorrect when they have been provided. Currently, we are needing an item removed from our packet ( an application for a secondary loan, which we never took out, because we sold our previous home and now have the capital in cash ). We have provided documentation in about 4 different formats confirming the sale of our home, final monetary amounts, proof that funds were transferred to our bank and are now in our possession, etc. The loan officer reached out to the title company to get confirmation of this 'secondary lien XXXX being removed ( it was never a lien as it never manifested ), and I discovered today that they send the email to the incorrect email address, despite having been provided with the correct one, so the title company never received the request. Basic errors in competency continue to cost additional time, and the assumption process has now taken nearly 120 days, with no firm timeline for closing yet determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XX/XX/23 I received an email from Credit Karma stating : A new card could be just a few clicks away, XXXX. And whether it's a higher credit line, a low intro APR or new rewards, Credit Karma makes it easy to find the card features you're looking for. 

You already have Outstanding Approval Odds*, so head back to pick up where you left off. 

I trusted the information received. I applied for the card and was declined. I was hoping to get a lower APR and balance transfer. Instead I ended up trashing my credit score in the process. It lead me to wonder why are they ( Credit Karma ) allowed to do this? 

They pray upon individuals who trust their information that gives false hope using deceptive practices. Is there anything that can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Stewart Information Services
State: NM

Complaint narrative:
We bought a home offered through XXXX  per realtor XXXX XXXX with a REC wrap around mortgage for which the title company gave us title insurance which protects us for marketablity in schedule A Because an attorney representing the debt collector XXXX XXXX, wants money in an " agreement '' with us, for the debt on the house, we wanted to sell the house to our son to keep the house in the family as the family has paid and lived in the house for the last 15 years. The title is in my name and my mom 's or both and I have owner 's title insurance in my name. 
In 2009 the mortgagors gave up their equity position and special warranty deeds were kept in vault with XXXX XXXX  until paid off ( the original loan that is wrapped, countrywide ) or refinanced. 
Wehn we went to the bank to get a loan to pay the remainder of the real estate contract, we were told that the title company can not get a payoff because the bank refuses to cooperate withthe title company in the sale of our house we own. 
We took title policy ensuring marketability and because of this lack of cooperation, we can not sell the house. 
The loan and original note was XXXX. There has been 14 years of cash payments received by XXXX  XXXX XXXX that took over the note of countrywide of XXXX and then sold off to the XXXX XXXX XXXX. The loan we were told should not change in terms or interest from the XXXX XXXX but who we make the payments to. 
The bank is not disclosing the infomration needed to pay the original note when the title insurance was issued dnd the real estate contract was filed in the county clerk in XXXX to pay it off. It should be less than XXXX since we paid for 14 years. 
Since we can not market the property because the original loan information is not disclosed to us without the consent of mortgagors who are not in the state nor the bank is cooperating to get paid, we can not sell it or refinance it. we should be covered by title insurance as per part A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Recreational Holdings Corp.
State: OH

Complaint narrative:
Ironhorse Funding LLC ( Finance ) show inquired on my credit report XX/XX/XXXX. I did not authorize this. I attempted to call them on XX/XX/XXXX. As soon as I hello, I have a question about my credit inquiry, they hung up. I believe it's fraudulent inquiry. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.

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 2023-03-10 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:
last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
Experian offers a credit boost which list after three consecutive payments of bills such as phone bill, electric etc they will add a boost to your credit score. I have made more than three payments to each account on my Experian credit boost report but its still only reflecting two payments.

Ive tried calling to get an explanation as why after my thrived payment my credit score has not changed nor its reflecting the third payments on my credit report in order to receive the boost they couldnt give me a real explanation and Im using the same bank account linked to my boost that took the first two payments

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 2023-03-10 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: OH

Complaint narrative:
Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to XXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is Transunions responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from XXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : Transunion Hard Inquiries Paypal via XXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.

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 2023-03-10 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: Access Credit Management, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft ACCESS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NY

Complaint narrative:
I had a credit card with Capital One for many years but have not been using it recently due to their low credit line and high interest rate. After many months of not logging into my account, I was logged into the app and it asked me to update my income, to which I did. I did not request a credit line increase nor did I inquire about any other type of credit. I only provided the requested income information which I know is typical for a credit card company to verify. A couple of days later I received an alert that Capital One did a hard pull credit inquiry on my credit, which I did not authorize. I called Capital One immediately and they denied any involvement in doing this and said they don't see anything on their end. I was told to send a letter ( through US Mail ) to dispute it. I was very aggravated that this company did this and then lied about doing it and denied any involvment, that I decided to close my account with them. Over the next few days, I received alerts from multiple credit reporting and monitoring websites ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) verifying that Capital One did in fact pull my credit and this lowered my score. I am in the planning stages of a business investment and this now reflects that I am preemptively shopping for credit to which I am not. I called the fraud dept of Capital One yesterday and they said they can not do anything, I need to call the credit bureaus. I called XXXX and they said I need to call the company that pulled it and ask for it to be removed. No one is accepting responsibility or helping me get this resolved. These companies should not be allowed to get away with this type of behavior. I want the inquiry removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX - received promotional offer of " XXXX Fun Points '' after first purchase ( which equates to {$200.00} ) AND a {$200.00} statement credit after {$400.00} of purchases made XXXX - Got accepted for credit card XXXX - met both requirements and received the Fun Points XX/XX/23 - recieved statement and the statement credit was not applied XX/XX/23 - called customer service and was told they have no record of that promotion and refused to offer the credit

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 2023-03-10 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:
reach out to all parties to remove this fraud account from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hi so I am a small business owner of XXXX XXXX XXXX and I made the mistake of using Venmo for my first transaction with a new client that sent me a {$2100.00} deposit to start on his custom XXXX XXXX build project. This was on XXXX XXXX Venmo transaction id # XXXX Once I tried to transfer out the funds to my account and wasnt able to. Then I was emailed by the Venmo team on XXXX stating that my account is is frozen and I needed to verify myself ( which I now sent them my id that they asked for ) then on XXXX I got an email from the Venmo team saying after review my account has been permanently deactivated and my funds will be held up to 180 days for lost prevention and I will be emailed SHOULD THESE FUNDS be available for transfer in the future. 

Now my problem is I am a small business and I can not blame this on my client so I have to proceed with the project he has already send me a deposit for. Now when I finish and return the client his project which will be done way before the 180 day wait period, I want these funds to be lost or sent back to the client that Ive already dealt with apart from this incident, I will take a huge blow I cant afford. Please help someone needs to hold Venmo accountable for this just cause I makes the mistake of not making it a business account they hold people money and risk tarnishing XXXX XXXX like mine, they could have easily had a professional reach out and less us know what were doing wrong, this hurts me and my business so bad this was one of my first big clients and I almost cant afford to proceed his project cause Venmo is holding his {$2100.00} that I need to locate parts for his project. This is bad in every way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
this is medical debt that my insurance lapsed on. ive never had a collection company call and leave me voice messages more times than this one, literally upwards of 1,000 voice messages have been left to my phone number though this debt collector. i have contacted them asking them to stop contacting me and the XXXX operator on the end of the line said something am long lines of literally laughing before saying you owe a debt, we wont stop because you owe us, its not harassment were allowed to i have blocked this phone number more than a year ago, and ive received 20+ voicemails from their company since XXXX XXXX ive attached a screenshot of the most recent ones, i have to delete them because they have had my entire message box filled up with these debt collector messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief