vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After numerous attempts to dispute my identity theft situation with Experian they continue to unlock my account and allow companies and etc to damage my account by reporting inaccurate information against me and fail to remove it. 
Now my score reads XXXX while my others are sitting locked and accumulating points. 
I dont even purchase anything what they are doing is wrong and needs to be stopped I have not signed or consented to anything whatsoever and have had my Identity stolen my ID and Social Security card has not been recovered.

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 2022-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an acct in XXXX and because I had to call in to finalize the application, I did not receive my {$25.00} first order promo code. The woman on the phone told me to call back in 2 days so they could manually deduct it. I called several different times. I opened a dispute and it was mysteriously closed without a single word. In the fine print it said to pay my bill, minus the disputed amount, which I did. I opened a dispute again and then submitted the promo picture, the order I purchased, wrote a letter and so on. Between that dispute and more phone calls I was told I won the dispute. However, they said it would take 1-2 billing statements. Then the very next statement they charged me {$25.00} late fee and interest. I called again and the CSR said she would remove the late fee and as a " courtesy '' she would remove the interest charge! Again after talking felt all will be fine. The next billing cycle I was charge another late fee and more interest. I called again. There's been at least 2 times I even asked to speak with a manager. The last call was on XX/XX/22 with a manager, who ASSURED me this would be all cleared up. But then on XX/XX/22 it came to my attention I was reported to the 3 credit agencies and have lost XXXX POINTS on my credit rating!!! I am mailing a certified letter to them next week.

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 2022-11-26 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 have several payed off debts on my credit report that are years old, and I keep getting cold calls about paying off these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I was using my Venmo account no different than any other day when I sent my sons mother XXXX dollars for his birthday. If I was to guess Id say she called and made a false report to get my account jammed up. Because Venmo froze my account with {$1100.00}. In it. They proceeded to keep my money after I tried to transfer it multiple times. After reaching out over 20 times to Venmo they finally emailed me simply saying they shut down my account for user agreement issues and they are holding my money for 180 days for loss protection. The money in the account has a clear paper trail from my business. It was transferred from PayPal after a customer paid via PayPal. The money is clearly mine and they are acting like its theirs. Its actually for my customers roof!!! And now I have to either come out of my own pocket or tell my customer Venmo is quite literally stealing our money. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: Village Capital & Investment LLC
State: GA

Complaint narrative:
Company Name : Village Capital and Investment Account Number : XXXX On XX/XX/2022 a late payment for XX/XX/2022 was placed on an old account that has been closed since XX/XX/2022. XX/XX/2022 the home was sold and paid off in full. I called to have the company remove the payment and I was referred to a department with no phone number and who only takes emails. I am in the process of getting ready to purchase a home and the incorrect information is hurting my credit score. It dropped my XXXX credit score XXXX points! I havent had any financial obligation to them since XX/XX/2022! I have documents I received from them showing the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone 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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX I received {$40.00} from a friend XXXX that I work with as a birthday gift I wasn't even logged into my cash app account when she had sent it when I received the email that she sent it I logged in an as soon as she sent it, it showed that a transaction to a XXXX XXXX was sent an with my account I have biometric fingerscan an a pin set to where one or the other is needed to do a transaction with my account an I did neither nor am I the one that sent it an I've disputed an reported the profile of XXXX XXXX an got denied an I disputed 3 times total an have only heard back from the 1st one being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, thank you to make the time to read my message. I had a fraudulent withdrawal incident with my Bank of America pre-paid account this week, XX/XX/2022. The location : BoA atm in XXXX  XXXX, CA. The amount is {$800.00}. Immediately I contacted customer service and submitted a claim. I have the confirmation number. I was told that will take 60 - 90 days to investigate. Ridiculous, I explained that I'm in need of the payment immediately. I have to purchase groceries for my family, and gas for my car to look for work.

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 monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by Hackers ( the Fraudsters or the Scammers ), all of whose actions are designed to achieve the goal of robbing and defrauding innocent people in the equivalent of XXXX XXXX which were transferred from my Coinbase wallet. 

It is important to mention that, during the course of the aforementioned actions, I was not informed, or better say, alerted by Coinbase in any way. No authentication protocols measures of any sort were issued, no questions asked whatsoever. Furthermore, I received no notification after the transfer of funds was completed. 

I have strong reasons to believe that the Coinbases protections systems failed miserably in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with XXXXXXXX XXXX. We had a XXXXXXXX XXXX XXXXXXXX XXXX which was overseen by XXXXXXXX XXXX  We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX or XXXX XXXX XXXXXXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXXXXXX XXXX XXXXXXXX and XXXX XXXX But our Credit card privileges were suspended. 

XXXXXXXX XXXX refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXXXXXX XXXX yet they refuse to respond to our questions.

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 2022-11-26 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-26 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had a refund of XXXX from IRS and I didn't receive the money it was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, Bank of America informed me that within five to seven business days I was going to receive a new credit card because the account that I had before had been closed due to fraudulent activity. The number of the acount that was closed is XXXX XXXX XXXX XXXX. I have contacted Bank of America on several occasions and they always told that they are going to mail me a new credit card but they never sent me the new credit card. Please request Bank of America to provide me a new credit card inmmediately.

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 monetary relief
Consumer complaint received 2022-11-26 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 2022-11-26 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 non-monetary relief
Consumer complaint received 2022-11-26 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX  disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This company IC system brought my debt from XXXX telling me that I have to pay them that I owe them money And they have put it on my credit report which is causing me and my family not to get a loan for a vehicle or Any personal loans I do not owe these people I've never seen any agreement with these people And it's against the law for someone to sell anybody my debt yet I want to put me in debt to cause my credit score to go down

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 2022-11-26 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with Syncrony Bank. We had a Sam 's Club Card which was overseen by Syncrony Bank. We payed our debt off to Sam 's Club. We did not file bankruptcy on Syncrony Bank or Sam 's Club. We specifically stated to the Bankruptcy judge that we had payed the debt to Sam 's Club and Syncrony Bank. But our Credit card privileges were suspended. 

Syncrony Bank refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to Syncrony Bank yet they refuse to respond to our questions.

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 2022-11-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
A couple of years ago. My wife and I had to file for XXXX  XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX  XXXX bankruptcy. 

My concern is with XXXX XXXX. We had XXXX XXXX XXXX XXXXXXXX XXXX which was overseen by XXXX XXXX. We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX  or XXXX 's XXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXX XXXX  XXXX and XXXX Bank. But our Credit card privileges were suspended. 

XXXX XXXX  refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXX XXXX  yet they refuse to respond to our questions.

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 2022-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have an XXXX credit card and the bank operating the card changed. I had automatic payments set up and did not receive any notice that they would be terminated, possibly due to the fact that I moved during the time that the banks were transferred. Because my automatic payment didn't post, my payment was late and the credit card company reported to credit agencies. When I realized it was late, I immediately paid in full and sent a letter to the bank explaining the situation. The bank responded initially by saying they would remove the negative credit remark, but they have not done so and my credit is still impacted.

Company response to consumer: Closed with monetary relief