vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
This account was set for paperless billing ( Electronic Delivery of Statements ). 

The electronic statements on the First Page specify that there will be a notice on the front of the statement prior to the annual fee being charged. There was no " front '' on the electronic statement, and thus no notice for electronic statements. 

The letter attached was sent with proof of delivery to ensure that they would close the account in a timely manner. 

This account currently has a balance due of {$21.00} due to the {$29.00} Membership Fee Charged XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/XXXX. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2022 and XX/XX/2022.

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 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$9400.00} 2. XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$2700.00} 4. XXXX XXXX Account # XXXX Bal : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$9400.00} 2. XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$2700.00} 4. XXXX XXXX Account # XXXX Bal : {$750.00}

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 non-monetary relief
Consumer complaint received 2022-08-15 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Car was paid off by car insurance and Gap insurance it shouldn't be reporting delinquent or Closed show credit bureaus the vehicle was paid off yet it's still on my reports and at this point deleted

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 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: CA

Complaint narrative:
I had my id and ss stolen and i called the police first then i called the credit company 's Equifax XXXX and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well XXXX said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called Equifax they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife passed away on XX/XX/XXXX. We had a title and she was the only XXXX on the title of the loan, I did not have the information on where to make the monthly payment, a few months later I received a call from a collection agency which claimed we would have to pay the full balance of XXXX of the car loan that was issued by XXXX Bank. I asked them if I could make a payment arrangement, the lady said she was going to send a tow truck to tow the car, they told me that since my wife passed away there was no payment arrangement that I could set up. I decided to transfer the money from my investment account to my checking account that I have with Chase. I gave the lady the information on XX/XX/XXXX for the electronic payment to the bank. I gave her the information to withdraw the money. I asked her to send me the letter indicating that she had received the payment when she took the money she told me that when the time comes I could go to the DMV and request the title of the car. On XX/XX/XXXX I moved to Florida and lost all the documents I had. In XX/XX/XXXX I went to the DMV to request the title of the car. They told me that I couldn't do any transactions because there is a lien on the car. I went to XXXX Bank which had issued the loan, to request the title and they claimed to never received the payment and in order to get more information I must have an in state document from the court. I went to the court, and they said in order to obtain an in state account I must have a receipt of all the payments that I made for the funeral or I must have a lawyer. Since I seen that the charges were too much I went to Chase Bank where the money was withdrawn through ACH. I went to the bank that issued the payment and I explained the situation to them. They said they never received the payment. I filed a claim and the bank gave me a temporary credit. The bank said they had to take the money back from me. I asked if they could tell me who took the money so I could take them to court, and they told me they couldn't give me and information. I still haven't received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/15 I called my mortgage company to inquire about to steps I need to take to remove the PMI. The associate XXXX XXXX, XXXX # XXXX stated that he can help me with that and started gathering income and assets info from me and my wife. XXXX put me on hold to see what options he may be able to offer me. When he got back on the phone I asked him why he is gathering all that info just to remove PMI. He inform me that he was refinancing my mortgage. I informed XXXX that I was not trying to refinance my mortgage and that I specifically ask him about the PMI and that was all. Short after I ended the call with him I received an alert of a hard inquiry on my credit and my wife also had a hard inquiry. XXXX never talk to my wife and he never got an authorization to run her credit and refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
The unauthorized transaction happened on XX/XX/23 from my account that was attached to Paypal for a total of {$1200.00}. A {$500.00} transaction, another {$500.00} transaction, and a {$200.00} transaction. 
I notified Paypal of fraud right away, and filed a claim through them. Within 24hrs the claim was supposedly denied, but I was not contacted about it. I knew that refunds take time, so I gave it some time, and I kept noticing that Paypal kept trying to pull {$700.00} from my account. I think the initial transfer from the fraudulent person was denied for whatever reason, and now when Paypal tried to pull the money it would not go through because I froze my account. 
Unfortunately, with my being busy with work I did not have time to get someone on the phone, and when my wife called they would not speak to her. After a week long work trip I got home and called to figure out what was going on. They told me that the {$700.00} was sent to the fraudulent person because they viewed my claim and denied it stating there was no evidence of fraudulent activity. 
I don't understand what lack of evidence they are talking about. If asked I have loads of evidence that I did not authorize these transactions. 
I have read up what to do about this situation, and it sickens me to see that Paypal has allowed this same exact situation to happen to multiple people. A fraudulent transaction happens, and when a claim is made it is denied within 24hrs.

I asked to speak to someone higher up, and when transferred the call was disconnected on their end. It has been an absolute nightmare working with Paypal, and I just want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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: TX

Complaint narrative:
I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in XXXX and transunion. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Made final payment on two separate accounts with XXXX XXXX XXXX. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers

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 2022-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in equifax and XXXX. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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:
I signed up for the CapitalOne XXXX XXXX credit card on XXXX XXXX XXXX and was promised " {$200.00} Cash Back after you spend {$500.00} on purchases within 3 months from account opening. '' I just complied with the above terms but a CapitalOne representative on the phone told me that what I applied for was declined and an " accomodation '' term was offered. The gentleman stated that the terms I accepted did not have the {$200.00} Cash Back offer. 

I do not recall being offered alternative terms when I applied for this credit card. I have a XXXX XXXX XXXX on XXXX and XXXX on XXXX. I would like a full explanation of ( 1 ) why I was denied the initial terms, ( 2 ) how the " denial '' of the initial terms were communicated to me, and ( 3 ) how the " new terms '' were clearly communicated to me to give me adequate notice that the offer was an alternative to what I initially applied for. 

My concern is that the business practice of the above is akin to deceptive advertising and something similar to a " bait and switch '' of the initial offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
Been disputing a particular account on my XXXX report since XXXX every 30-45 days for Innovate Loan Service . This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX  and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of XXXX even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from XXXX. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXXXXXX XXXX is not there business as listed either I went there! I live in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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