vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
SEARS/CBNA Account number on XXXX XXXX Account type Credit card. Date opened XXXXSEARS/CBNA and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times SEARS/CBNA is reporting false information on my credit report and please remove it. I sent proof that SEARS/CBNA was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.

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 2022-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM O IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX I received an email from Capital One offering a promotion for balance transfers stating I would receive 0 % XXXX for XXXX months with a 2 % transfer fee. It clearly stated that the offer was valid through XX/XX/22 and said nothing at all about it having to be submitted by XXXX. Upon trying to redeem the offer, the link they sent me took me to an online form for a balance transfer with an APR of 19.99 %. When I called to inquire about the mistake, the " Senior Account Supervisor '' XXXX stated that the offer must no lot be available and said it must be because it was after XXXX XXXX ET. She refused to explain why they would contradict the written offer I was sent and refused to honor the offer that was made to me. She also stated that no one in the company ranked higher than her would hear from me or contact me. Not sure if that is true but I find it suspect that she suggested I should call back and try another supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
I have tried occasions to fix my issue with Equifax several of times. I have sent multiple complaints to Equifax because they have my information mixed up so they are showing accounts that I never had report false late payments. I have sent in disputes to resolve this issue. But when they send me results back. They are sending it back with a XXXX XXXX and not XXXX XXXX which is my name. I have tried calling them and sending then tons of information and they still haven't fixed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2021 Capital One closed my credit card even though I had been making my payments and was not deliquent. When I went to use my card it did not work. When I called them they said the account restricted. At which point I called the next business day to see what happened and they referred me to another number which I called. I was told that because I had a criminal background I could not have that card and they said it was in the paperwork that was sent to me when I opened the card. But looking at that paperwork nothing was there stating I could not have the card if I had a criminal background and nothing was said the card could not be used to pay a fine. I researched further to see if I could find anything on their website or documents stating this but found nothing. They told me they would send me a copy of the paperwork but I never received anything from them. They have been contacted several times about where the paperwork was but they have produced it. 

To me I feel I was discriminated against and was never fully advised of this restriction. 
They have not been responsive to me even though I've called many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}

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 2022-01-17 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: NY

Complaint narrative:
XXXX Account number on XXXX XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.

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 2022-01-17 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: NY

Complaint narrative:
XXXX Account number on XXXX XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a XXXX balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Account number on Experian XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.

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 2022-01-17 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: MD

Complaint narrative:
To whom it may concern, I have been in an ongoing battle with Transunion as they refuse to properly investigate and remove a bankruptcy that does not belong to me. This has been going on since XXXX of 2021. They continually produce a generic response date XX/XX/2021. I sent a verification letter in XXXX of 2021 asking how the bankruptcy was verified and Transunion stated that it was verified by XXXX XXXX which is a third party and the MD state bankruptcy court. I reached out two both parties who sent letters stating that they did not verify any bankruptcies with Transunion nor do they have a bankruptcy listed as mine. I have sent these letters to TransUnion countless times and they refuse to properly investigate and remove this fraudulent bankruptcy from my report. I am devastated that the CFPB has allowed them to get away with this behavior for almost a year as I have continually reported Transunion and nothing has been done. Not only has this hurt my credit but my character as well as I have trouble getting approved for things. Please ensure that a proper investigation is done.

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 2022-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I submitted a dispute on XX/XX/XXXX to chime bank after noticing several charges that were duplicate amounts I never authorized on the same days at the same exact times and was told I would receive provisional credit by the 10th day. On that day I received an email stating I would not be given provisional credit due to the types of charges I was disputing and that within 30 days I decision would be made on my disputes. Okay fine whatever I can live without the provisional credit. Surely my money will be refunded once they look at my claim as it's clear as day it was duplicate charges as no one can make several charges in the same exact minute right?? So I keep checking the app and inquiring about my dispute... .they tell me now that it will take 90 days to make a decision. Which. Again. Whatever as long as I get my money back. So then on XX/XX/22 I get an email stating that they concluded their investigation and I would not be receiving my money back. Just like that. No further explanation. So I respond to their email and request the documents used and the info on how to appeal as I am allowed the right to do under law. And I get a generic email back that they are forwarding my email to the disputes department and someone would be in touch. 2 days later i get a link to my supposed documents by email and I click on the link. Only to find out it's a " forbidden request '' and there is no documents attached to this link. I email them and tell them this. And once again request my documents ... .and then I once again get the generic message that it will be sent over and the dispute department will get back to me ... .followed by an email saying within 10 days I'll get my documents ... ... but yet still no documents. I'm guessing because a mistake was made and they dont have a reason to deny my claim afterall. I am getting a 3rd party involved because I have read over 2k complaints against chime for this very reason and am disgusted in its practices. They should be held accountable for their actions to steal people 's hard earned money and if nothing else. Should be following the laws set forth to protect the consumer who trusts their money to a financial institution. Those laws are thrre for a reason. I am a single mother with no support system. Unable to work right now and that was a lot of money my children needed. And they just stop responding to my requests when I call them out on stealing my money. Its sick. Wheres my money and/ or my documents chime????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
Below is the dates and the tracking numbers to the disputes I sent to transunion to delete some accounts and credit inquires that I did not apply for and accounts that aren't mine. Transition has not responded back to me or proved that it was me that applied for credit or accounts. 
XXXXTracking number : XXXX XX/XX/2021 Tracking number : XXXX XX/XX/2021 Tracking number : 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 2022-01-17 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank deducted {$970.00} ( XXXX XXXX XXXX dollars ) from my checking account from an obviously altered check. I mailed a check for {$170.00} ( XXXX XXXX XXXX dollars ) at the post office. The check was stolen from the mail, the payee was whited out and changed to XXXX XXXX and the amount was altered from a one to a nine, thus resulting in almost a XXXX dollars being deducted from my checking account on XX/XX/XXXX. I discovered the fraudulent activity the next evening. Around XXXX pm on XX/XX/XXXX, I contacted Chase Bank 's claim department and filed my complaint. The lady I spoke with said the investigation and return of my money could take 30 days. The branch manager where I have my account in XXXX, Ohio said the funds would likely be returned in 3 days and the investigation would follow. So I called the claims department again two weeks later and spoke with 3 people including a manager named XXXX who said she would escalate the investigation, but it could take up to 30 days from my original complaint. I called the claims department XX/XX/XXXX and spoke with XXXX and he said to wait a few more days and call back. On XX/XX/XXXX I called the Chase claims department again and spoke with XXXX. She said the same thing XXXX said, that an email would be sent to escalate the investigation. I still do not have my money. The check is clearly fraudulent. It is CHASE 's error. The person to whom I mailed the check has camera 's outside the home and said no one took mail out of the mailbox. So the letter containing the check was stolen from the XXXX Mail, and according to XXXX, was deposited at the ATM at the Chase branch at XXXX XXXX XXXX in XXXX. So Chase knows where the check was deposited. I really need my XXXX dollars back and I have waited well beyond the 30 days all parties at Chase indicated was the time to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In 2020, a XXXX debt was removed from my credit reports. This debt was alledged to be owed to XXXX XXXX XXXX XXXX, upon successfully disputing this debt with the XXXX major credit bureaus, it was removed from those reports. Thereafter, out was reasserted by another company who purchased this erroneous debt. That Company name is XXXX XXXX XXXX. This company does not have the right to report any financial information under my personal information i.e. social security number. 

As well, the law clearly states that reasserted debt is prohibited from reappearing on credit reports and financially impacting consumers livelihood.

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 2022-01-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: CARD Corporation
State: NY

Complaint narrative:
Someone stole {$360.00} off my card and Card.com made an investigation and said I didnt steal my own money but they cant give me back my money and they close my keys so I lost {$360.00} and its not fair to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2022-01-17 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: TN

Complaint narrative:
I have disputed this with the credit bureaus and they will not remove these. I have filed a police report for identity theft. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
I Am an victim of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation