vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX accidentally charged me a second time for a purchase I made. I got in contact with them they confirmed it was a mistake but had no way to correct it. They advised me I had to go to the credit card company. I have tried to get it reversed through the credit card company but they say they cant confirm it. A rep from XXXX XXXX emailed me a receipt and advised me to tell Bank of America to reach out to her personally if they needed help to overturn the charge. I submitted it to Bank of America again and somehow they still cant verify. This seems like unfair lending I know you are not supposed to be charged for fake charges. I believe they are only trying to collect interest from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a check for XXXX ( attached doc ) from XXXX XXXX XXXX on the morning of XX/XX/XXXX to cover pending items as well as anything that would come through my BOA checking account on XX/XX/XXXX. I looked at my BOA account on the morning of the XXXX and saw that BOA put a hold on the XXXX check until Saturday XX/XX/XXXX. In the meantime I transferred XXXX CASH from my BOA business account to my BOA checking account to cover the XXXX  check they put a hold on. I called and spoke to a rep who told me that BOA sent a message to XXXX confirming the account number and XXXX did confirm it. He then said BOA was waiting for XXXX to release the XXXX funds and then it would show up in my account. I asked why BOA would use my money instead of putting it in my account right away, he assured me BOA would not do this and would immediately credit the funds to my account. I got an email from XXXX today telling me that XXXX was withdrawn from my checking account ( attached doc ), however I still do not see it credited to my BOA account, actually I see 2 {$35.00} NSF charges even tho the cash was transferred this morning, the NSF fees were no on my account this morning when I spoke with the rep. I had the same problem earlier this week and after about an hour dealing with them they admitted the XXXX NSF fees were taken out in error they refunded it. It seems to me BOA is constantly trying to steal their customers money and I end up spending so much time dealing with them to get it back.

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 2021-08-06 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: UT

Complaint narrative:
I have been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to get some things off my credit report with Experian, XXXX and XXXX that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things 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 explanation
Consumer complaint received 2021-08-06 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: NY

Complaint narrative:
Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX 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 explanation
Consumer complaint received 2021-08-06 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: NY

Complaint narrative:
Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: SC

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
ATTENTION TO ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire SOME FORM OF ACCOUNT I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
my son drugs stole my ID and got credit cards 3 years ago, i was driven by my wife from my house as they try to put poison in my food, i lost every thing because i could not take lawyer, Now i am retired and get small amount of money with food stamp from government, i could not pay first national bureau as it demanding XXXX dollars for 5 payments as that debts i never used,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/21, Macys ( the department store company ) called me about what it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any account balance, which the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness. During the next half-hour-plus of phone time, about 80 % of which I spent on hold, the agent neither informed me of the amount then due nor would he direct me to an online site that would provide an accounting of my transactional history. A second phone call with Macys, which lasted another approximate half hour ( 90 % of which time I spent on hold ), again yielded no information about MCC transactions. Later, that same day ( XX/XX/21 ), I received a no-reply email from Macys ( time stamped XXXX ) stating : Your Payment is Past Due. The email did not indicate the amount due nor did it direct me to a web site for additional information relating to my account or alleged indebtedness. Having already spent more than one hour ( mostly on hold ) during two phone calls with Macy 's, I am now reluctant to again subject myself to such hold-and-wait abuse with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX I went into the local Best Buy store to apply for a credit card in zip code XXXX. Application denied for the reason I find out weeks later through a piece of mail. A security measure on my account whenever I apply for credit requires the sales associate working at the establishment to call the phone number on my credit file which is my own. I am sitting in the store at the counter waiting on the phone call to verify myself but phone call never happened. I called Best Buy accounts to dispute and they lie to me and say the phone call was made, NOT!! I disputed the inquiry with XXXX  and it is still sitting on my 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 explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
in XXXX and XXXX someone called purporting to be a debt collection company. and said I owed {$340.00} on purchase I did not make and know the phone number they nothing about. they keep calling and playing the same recording. its interesting that they BABBLE their name very quickly and I can't understand them : accounts receivable XXXX XXXX XXXX. or something like that. the phone calls are annoying and even harassing. and no additional information is offered by the caller to explain what this is all about. the phone number they give is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a hotel reservation using XXXX XXXX website for a room at XXXX XXXX XXXX XXXX in XXXX Oregon on XXXX XX/XX/2021. The price shown to me was {$130.00}. 
I stayed at this hotel on XX/XX/XXXX and checked out on XX/XX/XXXX. At the time of checking out, I was given the option to pay which I did. 
Then I noticed 2 charges on my credit card. One from XXXX XXXX for {$130.00} and one from XXXX XXXX XXXX TX for {$190.00}. 
I contacted XXXX XXXX hotel in XXXX, and they said it has to be fixed by head office. 
I contacted head office and they said it has nothing to do with them and must be fixed by the hotel itself. I tried reaching XXXX and could not talk to a live person. I entered a dispute with their website and they just ignored me. 
I disputed the charge with CITI which has issued my credit card and they dismissed my dispute. 
After a lot of back and forth with XXXX XXXX XXXX in XXXX, they refunded {$130.00} charge. 
I have not been able to get {$190.00} charge from XXXX down to {$130.00} that I had agreed to pay. 
The easiest way to prove that this is a fraud, is to check prices for this Hotel. A room with 2 Queen bed which I got even in high season is not {$190.00}. For XX/XX/XXXX, it was {$130.00}. 
It seems to me that XXXX XXXX XXXX XXXX in XXXX is a party to this fraud for double charging and over-charging. 
Nevertheless, I have been defrauded for the difference between agreed price ( {$130.00} ) and charged price ( {$190.00} ) and my efforts to sort this out through reaching the hotel, Citi and XXXX have been all unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
I recently pulled all three of my consumer reports and saw a company by the name of Williams & Fudge on my consumer reports. I reached out to them via registered mail on XXXX of XXXX to asked them to validate this debt that they are claiming that I owe. On the XXXX of XXXX I received a letter in response to my request to validate the debt which did not contain any document/information to validate the debt as requested per my rights under the FDCPA, 15 USC 1692. This letter appeared to be a student statement from XXXX University Student for {$11000.00} from XX/XX/XXXX to XX/XX/XXXX with a coversheet from Williams & Fudge. This coversheet stated as follow : " Please find enclosed the information requested for the above referenced account ( s ). Should you have any questions you may contact the undersigned directly. XXXX XXXX XXXX XXXX '' The coversheet also stated that : " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I would like to mention that I have never attended XXXX University in my life, Williams & Fudge is violating my rights a consumer under the FDCPA. My consumer report is tainted due to their error, and they are using language that is offensive. I am requesting that Williams & Fudge immediately correct this error by removing this off of my consumer reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX -A unauthorized transaction was made where google it showed XXXX taking XXXX $ when. I disputed it chime gave me a provisional credit but then later reversed it when I did my own investigation XXXX told me the transaction was never completed and provided a transaction Id. Chime mad my account almost XXXX . When my SSI got deposited they took all of it for my account being overdrawn. They keep opening my credit builder account without my permission and not reporting the correct account information or payments made every month. When I told them they refused to correct any of the issues. I became XXXX  cause how they grossly and purposefully handled my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
To Whom may concern : i have been trying to get this item off my credit report for months now. This account does not belong to me it shows as a authorize user. I tried calling the credit card company they cant removed it unless i know the password. i keep advising them i don't even know the person or the address that is affiliated with the account, so can you please looking into the account for me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: OH

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, Equifax, XXXX they also have records and files the is wrong.

Company response to consumer: Closed with explanation