vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Beginning of XXXX of XXXX  I called to see what my options were to paying off my debt for a credit card I have through XXXX. 

The representative for the hardship department enrolled me into a program to pay off my debt in a matter of XXXX years with a low no interest month to month payment of around XXXX dollars or more. 
But the catch was I had to give them around XXXX dollars up front and Id be enrolled. 
The issue is they set up the automatic payments and never enrolled me. They tricked me. 
So I was making payments that were being charged for below the minimum plus interest etc. 
I caught wind of it after the XXXX month and called them in the beginning of XXXX to sort this out. I was told the representative just didnt enroll me despite making notes about it on my file. I was told over and over again there was nothing that could be done and the only way of fixing this was to give them XXXX XXXX dollars up front or so. 

They misled me into a deeper hole of debt and I am truly trapped. I dont make enough and am already paying off other debts. 
Surely this is unfair and bad practice. 
For years now this debt eats away at any other payments I make. I lost my job and recently got a new one that doesnt pay that great. Ive been struggling to survive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This situation has been ongoing for a period of 2 years. I contacted BMO to report unauthorized charges on my credit card. I was advised that I should not have shared my information with the transportation company and to reach out to them directly. After contacting the company and explaining that I was unaware of the charges, they requested my card details to process a reversal. Additionally, I requested for a BMO supervisor to contact me. The supervisor assured me that the charges would be reversed as the company should not have processed them, and a new card would be issued. Following their instructions, I provided the new card details to the company. Subsequently, I discovered that fraudulent purchases had been made using my information by this deceitful company. Despite this, BMO claimed that I was accountable for the charges, closed the card, and marked my account as delinquent. It was later revealed that the company had a history of fraudulent activities. Fortunately, with the assistance of a legal professional, I was able to take action against the transportation company for this debt.

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 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a new vehicle and had to take a loan out through XXXX XXXX XXXX Chase Auto Loan. After receiving the car, there were many issues with it. I contacted XXXX and after months of attempted repairs we went to arbitration and I was granted a repurchase/vehicle buyback from the arbitrator ( please see attached arbitration award ). XXXX did not follow through and I have attempted to work with XXXX XXXX XXXX Unfortunately, XXXX XXXX XXXX XXXX loan and stated I was fully liable regardless of the arbitration award. Other facts are this car won the arbitration award due to it being unsafe and falling under the lemon law. This car also lacked safety and other features promised when pre-ordered as well as other items that were promised that were never received to date. Last, the vehicle value dropped more than XXXX XXXX after purchase which would not be an issue if I had a safe working vehicle but I don't. Now I am left with a vehicle I refuse to pay for as I had to purchase a safe car XXXX XXXX with my child. This is severely impacting my XXXX XXXX now putting me in a financial situation as a single mother. I feel this is a very unfair situation to be in with no help. I am feeling helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX - XX/XX/year> Just XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> Just XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Lowe 's Home Improvement Center using Synchrony Bank to run their cards, has switched to a {$1.00} monthly fee for a paper bill. This change puts their paperless statements at risk of being delivered appropriately ( i.e. actually showing up in the mailbox and not in junk or spam accounts ). This leads to them collecting ridiculous amounts of fees from people who have no idea that a bill was sent to them if it is in junk or spam-filtered mail folders. I have paid my bill when it was due since 2004 and now with paperless billing ( to avoid a {$2.00} a month charge ), it lands in junk mail and I have {$41.00} in late fees. How is this beneficial for the consumer? How is this helpful for the elderly who do not use online bill pay or email? How does this help people who are handicapped? This is a procedure that is strictly to line the pockets of the bank and is bad for consumers.

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 2024-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX I submitted the School Misconduct application sent by Navient Corporation. This application was to submit documents and paperwork that would suffice for full discharge of my private loans taken out for my education at XXXX XXXX XXXX XXXX XXXX XXXX 
Per the application, in writing, they stated that they would return correspondence in 60 days or less. 
It is now XXXX XXXX XXXXXX/XX/year> and have heard nothing. No confirmation of receipt or any sort of message asking for anything or any outcome. This is unacceptable. 
The only correspondence I have received from Navient is that they will be transferring all my loans to XXXX. 

I have submitted these similar applications to the Dept of Education which also have sent me correspondence and discharged my Federal Loans.

Navient has kept those loans in limbo. They have not moved, been discharged, but are just sitting there with no action to them either.

The private loans though are still up - and I have been paying as much as I can to keep them from defaulting or from going into forbearance which would elevate them due to interest accumulated. I have reached out to the California State Attorney General as well as the DFPI ( Department of Financial Protection and Innovation ) and filed complaints. 

I have yet to hear back from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally complaint about TRANSUNION 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my TRANSUNION credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is a result of identity theft, as I have no association with it. Despite filing a dispute with TRANSUNION, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, TRANSUNION is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance.

Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to TRANSUNION.

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 2024-08-12 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XXXXXX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/2023 {$2200.00XXXX XXXX XXXX XXXX XXXXXX/XX/2023 {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> {$2200.00} XXXX XXXX XXXX XXXXXX/XX/year> {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Today XX/XX/XXXX at XXXX XXXX time. I called TransWorld systems XXXX the collection agency. I also called XXXX XXXX the electric company. I asked XXXX for a copy agreement that was signed between me and them and was informed there was no agreement signed between me and Transworld. I then asked that they remove this fraudulent account and was told no pretty much. I also called XXXX XXXX and asked for the account information, a copy of the signed contract and the date of enrollment as well as the contact information for their fraud department. I was also told this account was opened in XXXX and was provided with an account number. I also have contacted all XXXX credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you regarding unauthorized personal information associated with my identity. Several accounts and transactions have been erroneously linked to me without my consent or knowledge, causing considerable anxiety and hardship. I have fallen victim to identity theft and have already reported this incident to the appropriate authorities. 

This situation has severely compromised my financial stability and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am prepared to furnish any necessary evidence to support my case.

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On or about XX/XX/2024, respondents did proceed to close account of claimant. On XXXX, XXXX XXXX, XXXX did inform claimant that there would be no arbitration on the closed accounts. Claimant asserts that this constitutes a violation of the Federal Arbitration Act 9 U.S.C. Sections 1-16. Claimant furthers that respondent has not acted in good faith by the Unlawful Closures of Claimant accounts, which the funds contained therein have not been relinquished to claimant. Respondent has not used ordinary care with the Claimant account. 46 U.S. Code 31309 - General civil penalty Except as otherwise provided in this chapter, a person violating this chapter or a regulation prescribed under this chapter is liable to the United States Government for a civil penalty of not more than {$10000.00}.

Company response to consumer: Closed with explanation