vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: CA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: VA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: OH

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have tried in good faith to deal with this company but it is nearly impossible to do. My next step is to email the president of the company and describe how his employees are treating it's customers. To make a long story short I have paid this loan in good faith for the past 5 years. My payments are reflected as paid on time on all credit bureaus as of XX/XX/XXXX and as of recently the account has been paid off ( Thank God ) on XX/XX/XXXX. The most recent update on my credit report reflects DEROGATORY and I'm trying to figure out how can an account that has been paid on time for the past 5 years is being rated as derogatory. If this is how the Fair Credit Reporting Act is fair to consumers something definitely needs to be revamped. How can you report to a credit bureau that an account is derogatory with on time payments for the past 5 years. I want this account removed from my credit report as this is the only account reporting inaccurate and negative information. This is the worst company to ever deal with and I would like a resolution because this is totally unfair and there needs to be an investigation into this company. This company can not decide when they want to make an account derogatory and not follow all procedures which they did not in this case. This company should be fined and held accountable for their actions. If I've been treated like this I'm sure there are others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc
State: CO

Complaint narrative:
I am a Victim of Identify Theft. On XX/XX/2021 I pulled a copy of my Credit Report and there was a Collection account on my credit report that I had never seen before. I asked for supporting Documents from the company United Resource Systems and instead was sent a Computer Generated bill ( to my mothers address ) stating that no signature was required at time of services?? for XXXX XXXX XXXX XXXX. It does not state where I supposedly was taken and this is all the information I received. I have Disputed with the Credit Bureaus and placed a Fraud alert on my Credit Reports. I suspect this is a Family Member that may have done this but it is not my Debt. This is a clear violation of my privacy under the FCRA as it was sent to my Mothers address not marked personal and confidential. This is not my Debt, it resulted from someone using my name to avoid a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I filed a complaint against Synchrony Bank about two weeks ago in reference to them closing my QVC credit card and they RETALIATED by lowering the credit limit to my JC Penney credit limit amount. It went from XXXX to XXXX using the excuse that my income was too low and I had too many credit cards on file. 

I pay my bills every month on time so that never should have been a problem.

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please ensure that all information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: OH

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My wife and I filed for Chapter XXXX Bankruptcy protection on XXXX XXXX of XXXX. At that time we had a first mortgage and a HELOC, the later with PNC Bank. At the time of filing PNC Bank revoked my access to online statements. Since filing we have not received any ( regulatory required ) periodic statements from PNC Bank. We have completed Chapter XXXX payments on XXXX XXXX XXXX and received a discharge on XXXX XXXX XXXX Since that time we have not received periodic statements from PNC nor has PNC reinstated access to online statements. 
I have contacted PNC to address this issue and during that call was informed that we had missed multiple payments while we were under Chapter XXXX. We have no way to confirm or locate missing payments as we do not have any correspondence indicating when those payments were missed. I believe that interest continues to accrue on the missed payment amounts to this day, therefore PNC 's failure to provide required periodic statements has resulted in financial loss to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
I am pursuing the Public Service Student Loan Forgiveness program and have Fed Loan Servicing as my servicing company and have been enrolled in it for about 4 or five years. In XXXX of XXXX  I summited my yearly employment certification form and I have still not heard back on the results of my certification as of XXXX I was unable to to use the new portal on the Department of Education website because my employer has not yet been added to the list of eligible employers. Additionally I summited the required documentation to the Department of Education to have my employer added to the list and have not received any notifications from them for their review process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a car loan with ally bank ( XXXX XXXX XXXX ) then traded for a new car ( XXXX XXXX XXXX ) new loan was again through ally but in the process the dealer was late with the paperwork and ally put a late payment on my credit report and now refuses to remove. All while Ive been with them for years and never missed one payment. And to make matters worse they have a recording of one of their employees telling me over the phone that its going to be removed but even that means nothing to them!

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 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, TransUnion and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX . 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.

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 2021-09-08 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: OH

Complaint narrative:
I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, XXXX and Equifax XXXX to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER Experian, XXXX and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.

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 2021-09-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Grain Technology, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I was going to start a cd account with grain credit! I changed my mind and requested my {$150.00} security deposit back on XXXX XXXX. I requested to cancel the security deposit and close account after it cleared from my bank on XXXX XXXX! When I emailed them they canceled my security deposit to be re directly deposit into my account! Ive contacted grain via support, email, phone, and I also left a bad review on the App Store! On XXXX XXXX they took out {$150.00}! After I had contacted them through support! On XXXX XXXX I filed a dispute with my bank! On XXXX XXXX I sent request through support page on grain again to cancel my account and return my funds! So Ive tried calling its say no representative is available! Ive called all day still no luck! On XXXX XXXX I sent another email still no response! Ive sent emails through support constantly everyday to grain support known as trygrain! Still no success on XXXX XXXX grain responded through email I will have expedite your request! No luck Im still waiting on my money for my security deposit that grain technology took out my account! Still no luck! Its XXXX XXXX and yet Im still short my {$150.00} security deposit! I have been sending support team emails since XXXX! Today is XXXX XXXX and I contacted my bank and they denied my claim! I logged on to grain its a whole different limit with another XXXX security deposit that they want me to pay to fully use the account! No I want my {$150.00} deposit back! Grain is a scam I want my money! What are my next steps into getting my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Hunting Bank took {$1000.00} from me on XX/XX/XXXX, and have no explanation at to what happened. They have made no effort to rectify the situation, and effectively have taken {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MO

Complaint narrative:
I have inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I paid off my American Express card in XXXX on XXXX. Check my accounts for months to make sure there was no surprises. Got a bill from American Express yesterday stating that we owed them {$190.00} due to 2 charges made on the card. One charge was made on XX/XX/XXXX for {$29.00} and the other charge was made on XX/XX/XXXX for {$4.00}. The other {$150.00} is late charges and interest. We called American and explained that we did not charge these amounts and we have not used the card since we paid it off in XXXX of XXXX. They were unwilling to help us in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: SC

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Dear CFPB. I signed up for an American Express Hilton card offer where I receive {$10.00} dining credit per month on my card and have used it 7 times already for a total of {$70.00} per credit. Curiously, I've already used my card a couple of times this month at restaurants but didn't get the customary email notification that I'd redeemed the offer. I'm further puzzled whether I'm now supposed to receive a {$20.00} dining credit as an XXXX member. Surpass members receive {$10.00} dining credits per month up to {$110.00} total and XXXX receive {$20.00} per month up to {$220.00} credit. I had two unproductive chat sessions with Amex that did not resolve the issue, and in my experience the best way to reach customer service at Amex, sad to say, is by filing a complaint with the CFPB. I apologize for troubling CFPB with a {$10.00} issue, but I believe it is important that Amex honor their promotion and their chat agents did not resolve this issue. I have been an Amex customer for 14 years with a perfect payment record and fear the quality of their customer service function has going downhill, possibly due to COVID staffing issues which would be understandable, and hope you can help me get the {$10.00} credit Amex owes me. I would have not used their card for this transaction were it not for the offer they made but have, as of this correspondence, yet to fulfill. Thank you for your time in investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
It was roughly XXXX of last year when my XXXX was hacked and my bank account ( Chime banking ) was stolen. The thief stole {$500.00} from me. I contacted Chime and didn't hear anything for seven months. I repeatedly called and called all seven months and submitted a form to them to dispute the {$500.00}, and even made a police report. Chime tells me that they see nothing wrong happened, there was no evidence of a scam or hack and closed the problem. Despite me sending screenshots of a conversation on my account I assured I never had and proof of them stealing money. A few weeks ago, with {$200.00} still in my account, Chime closed my account. And I have yet to see that {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried logging into my online banking with Wells Fargo and was unable to get logged on. I called the bank the banker said that an investigation had been launched. That money was transferred from my joint account ( XXXX ) on XXXX for {$2000.00} to my personal account ( XXXX ) as its been done for years on a payday scale ( every 2 weeks ) and the money was now being placed on hold. This causes a major hardship as this money as always has been used in covering bills The banker advised that it was being reported as fraud. I advised that there has absolutely been no fraud on either account and that all moneys were authorized. I requested that the history of these accounts and the history of it being done this way be taken into consideration and the funds be released as not to cause hardship. I was read a statement saying that I would be liable for this {$2000.00} which I express my objection to as this has been the norm for these accounts, also that no fraud was committed and I confirmed that as normal all transfers were authorized.

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