vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX XXXX trying to buy a computer on XX/XX/2021. I told them that the computer was more expensive than at another store, so I was going to leave to buy it elsewhere. The sales associate informed me that I could get 24 month no interest financing if I signed up for the apple card. This was an attractive offer so I decided to go through with it instead of buying the computer elsewhere. I applied for the card, got approved, and proceeded to check out. When she pulled up the information I noticed there was only 12 month financing and not 24 month financing as promised. She apologized and checked to make sure that wasn't a mistake. It was not a mistake, and 24 month financing was not offered on this product. So now I just have this credit card I don't want that was opened under false pretenses. I left the store to buy the computer elsewhere. 

I then called Goldman Sachs, who is the partner for the apple card and told them what happened. This was 3 minutes after the card was opened. They told me that they could not reverse my application and that I could close the card but that, that could negatively affect my credit. 

I was taken advantage of and now just have this credit card I don't want or need and that I can't close for fear that it will affect my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX CAN 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 explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY XXXX INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, XXXX of 2018 they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX a guardian account was court ordered for my daughter who won a lawsuit totaling {$12000.00} to be held in the highest interest bearing account. she was XXXX XXXX XXXX at the time. The judgement ordered the account to be opened with Bank of America. My daughter turned XXXX yrs old this year and when she went to withdraw the money they couldnt locate the account and said it must have been closed over 7 years ago do to non maintenance. We checked with the state comptroller the funds were not there. We have the infants compromise order, the bank account number and the check number from the comptroller. we have been to the bank a couple of times about the issue, called customer service several times and filed a complaint with legal through the bank, and they have not responded. We later learned that it was opened wrongfully under a custodial account and the funds were given away to child support agency for the collection of my arrears in 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 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kinum, Inc., Indianapolis, IN Branch
State: VA

Complaint narrative:
Have received nothing about a debt collection and it appears on my credit report. No 30 days to dispute. Nothing in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Hi, I opened an account with Citibank and my debit card didn't arrive. So I requested another one but explicitly stated, about four times, NOT to overnight the card. Citi did it anyway, and charged me {$13.00}. I contacted a chat rep who waived the {$13.00}, but an overdraft fee was charged in the amount of {$34.00}, which the rep said he was unable to waive and to call Citi. 

Here is a timeline of events that followed : XX/XX/XXXX - requested new debit card from Citi, requested specifically several times in no uncertain terms do NOT overnight the card. Agent overnighted it anyway, charging {$13.00} - account {$12.00} overdrawn XX/XX/XXXX - contacted rep requesting refund for {$13.00}, refund granted XX/XX/XXXX - overdraft fee is charged for {$34.00}, dated XX/XX/XXXX. 

XXXX XXXX Contacted rep online, could not refund overdraft fee as system denied request. Advised me to contact Account maintenance team who would have the option of listening to the original call - gave number XXXX XX/XX/XXXX - called agent to waive overdraft fee. Submitted request, said wait 2 days to see result XX/XX/XXXX - no fee waiver granted, no communication from Citi Escalating to complaint with CFPB

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 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I've had a paypal account for almost a year now. I've given them my social, my Florida drivers license, and paid many bills and fed my family pay paying through paypals credit card they gave me through XXXX XXXX. I cashed out my rewards points to my paypal account from XXXX XXXX  after using {$990.00} through paypal 's system with this issued paypal credit card from XXXX XXXX. As soon as I cashed out my {$11.00} to my prepaid debit card I INSTANTLY was permanently limited ( also known as banned forever ) from paypal. The customer care rep was rude, angry, insulted my good name and reputation, and refused to give me any reason why this happened and said that I am no longer wanted to do business with from paypal. They took my identity, they scammed me into using their credit card, had me rack up debt to almost {$1000.00} dollars, and as soon as I collected a benet for using my card they banned my account! I will not take this type of abuse tech companies seem to use with no accountability!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: SC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: NJ

Complaint narrative:
Approved for a loan modification and have made all of my payments.Company still has not updated my account and it has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ENHANCED RECOVERY CO L. The inquiry date is XX/XX/2021. The bureau reporting is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
On XX/XX/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my Equifax credit report under " XXXX/XXXX  '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX  and XXXX, however this inquiry did not show up, and still does not appear on XXXX  as of XX/XX/2021. I immediately reached out to customer service at XXXX who stated that there was no such inquiry on file in their system under either my full name or SSN. With this information, I filed a dispute with Equifax directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called XXXX customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted Equifax by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named XXXX/XXXX  dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade failed to provide the disbursement to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX since the loan funding date of XX/XX/2021. Upgrade has further refused to respond to inquiries regarding the distribution to XXXX XXXX, specifically the check number for the distribution and status of the check ( cleared or not ). 

According to the Upgrade website, only the cash distribution to my bank account was completed in the amount of XXXX. That said, Upgrade is retaining most of the loan amount despite demanding the first loan payment on XX/XX/2021, in the amount of XXXX which I provided per the terms of the loan agreement. 

It is my position that Upgrade is in breach of the loan agreement based on their failure to distribute funds to XXXX XXXX and provide proof that they have done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: MN

Complaint narrative:
I applied for XXXX  XXXX XXXX XXXX in XXXX of 2020 and my application has still not been accepted or denied. This is usually a few months process, and it has been over a year since first sending my application. When speaking with customer service they don't know why the application has not been accepted and they are unable to answer any questions I have about why it is taking so long. I am told my application has been resubmitted for a third time. The loan servicer does not return phone calls when promised and I am constantly following up to try to get answers, but they do not have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
all of my banking data has been compromised. the bank and the police refuse to provide help. 

someone has drained my accounts i have filed this report several times are you even receiving it?

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