vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am seeking a balance check in order to dispute a transaction in the amount of {$20.00} made on XX/XX/2024. The company provides a website vanillagift.com and a page to check the balance. However when checking the balance an error is shown " A system error has occurred. Please try again later ''. This occured on Thursday XX/XX/2024. When calling the customer support number, an automated robot asks me to enter the two numbers spoken as a security challenge in order to continue the call. The numbers are XXXX XXXX. When I enter the numbers, the robot says that the entry is incorrect and abruptly terminates the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX Reported several unauthorized transactions on my daughters high school checking account. Rep shared her access was cloned and disabled the digital wallets that were not hers. Debit card and online account was compromised. 

All disputed transactions were temporarily credited. All but one was settled. 

XX/XX/23 XXXX for $ XXXX no such contact in XXXX/ XXXX XXXX XXXX date on letter - Received notice that claim is denied based on investigation with XXXX. I called and was told XXXX determined that this was authorized by the account holder based on their research. I disputed that and was told I have to prove otherwise. I have no details of this investigation and know and they know her account was compromised/cloned in some way. 

They allowed someone to steal XXXX ( earnings from first summer job ) from a minor. I need information from them to fight this and they wont provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/ a purchase of a XXXX product was made and funded via XXXX ( loan XXXX XXXX ) The product caused over XXXX in damages to my wood floor. I reached out to XXXX explained and was instructed all they could do was refund XXXX and take back the machine but if the damages needed repair, they advised to reach out to the manufacturer, I did and they took the machine back. I made XXXX and XXXX aware starting in XXXX. Providing emails and proof from the manufacturer I was no longer in possession of an item I was still paying on. I was ping-ponged back and forth. XXXX said they needed XXXX to tell them it was returned, XXXX stated they did but because it wasn't back to them they can't. I went on like this for months all while having autopay on for an item I didn't have, finally, XXXX I was fed up and demanded it is rectified via arbitration on both ends, I shouldn't pay for an item I no longer had, I then heard back from XXXX who after searching found all the proof sent months back and communicated with XXXX  who then on XX/XX/ confirmed they were fixing this and considering it paid in full and provided me the email stating it was satisfied in full and indicated they were sending a check for {$25.00} as I overpaid. On XXXX apparently, an email was sent that I didn't see stating they were putting me into collections for {$25.00}. I provided the collection company the proof and again back at it emailing XXXX  asking why this was done and IF I owed money why would they send me a check and state in the email I overpaid. Now it shows as collections of 60day on my credit, it ruined my chance at a loan I needed, Im being harrased by debt collectors for this a and suffered a hit to my credit and was denied a loan that I needed for a repair. This should be illegal, how come they are only made to " correct '' the report but the damage to me is far worse and lasting especially now the underwriting dept has it as I was under a collection.. I am demanding retribution and am looking into legal guidance and to what can be done. ALSO, YOU WILL FIND IN SCREENSHOTS THERE ARE MISSING CONVERSATIONS FROM XXXX THAT I SAVED BUT IN THE PORTAL THEY ARE NO LONGER THERE. XXXX WAS THE LAST PERSON I SPOKE TO WHO HAD HANDLED THE REFUND. NOW HIS CONVERSATION IS NOT FOUND so that is another aspect of fraud I request being looked into I appreciate all who help, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NV

Complaint narrative:
I recently checked my credit report & saw accounts reporting that I do not recognize.

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 2024-01-11 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: National Credit Adjusters, LLC
State: MN

Complaint narrative:
this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One, Account # XXXX. On XX/XX/2022 there was a wire transfer of $ XXXX {$30.00} fee taken from my account. I called them several time but all they said that this was FRAUD. Someone at the company that this was from a mortgage company. I sent them a rentals agreement that we have but of no use. Also called XXXX XXXXl and no response. My wife found out that they had paid a refund to individuals. Since this was done, I didn't not send this complaint in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX, is showing up on my credit report and I have never lived there nor do I currently live there. 
Please remove this address from my credit 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
This complaint is a followup to the previous XXXX complaints. The issue has not been resolved. Fay Servicing is charging my escrow account XXXX  times for my insurance instead of XXXX time. When I call I get bounced around then someone tells me it will get fixed in XXXX days. When I call back there is no record of anything and I start completely over explaining the issue. On XX/XX/XXXX I called and request escrow analysis for payment update in XXXX. I was told it would be ready XX/XX/XXXX. They completed the escrow analysis but nothing changed. They were still charging me XXXX times. I was told I need to be transferred to the insurance department. I was disconnected in the process. XX/XX/XXXX I called the insurance department and was told I needed to be transferred to customer service to request the analysis. The Escrow Rep and the Customer service rep both agreed that I should only be charged XXXX time for the policy {$5100.00}. They both agreed and said another analysis would be updated. On XX/XX/XXXX I called back and the customer service rep said the request had not been submitted and I had to explain everything all over to him and had to get transferred to insurance department and back again. I was told it would be ready XX/XX/XXXX. I called XX/XX/XXXX and nothing was done and had to start over again transferred XXXX  times on the phone over XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I requested proof of mortgage and provided statement to have added to my credit report. It was not corrected. XXXX was not removed either.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I has a credit card with XXXX which suddenly went out of business and canceled my credit card. I have no balance. My credit card went down XXXX pts. I did not cancel the card. There is no longer a store. Why should I be penalized?

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I had saw an ad on my phone for XXXX 's & XXXX XXXX 's tour merchandise and had thought that they were a legitimate website. I used Affirm to help pay for my order in 4 installments. I paid the full 4 installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from affirm for help. They did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from affirm stating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. Instead of reaching out to their merchant and conduct their investigation on fraud, they left me the consumer to deal with the issue. They said nothing can be done and asked me to reach out to the merchant. I already stated to them that the merchant does not respond. They have the capability on their end to resolve this issue and get in contact with their merchant that is using their platform but instead they choose to charge off my balance and now XXXX is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as Affirm is choosing to ignore my emails and they have closed off the dispute. I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with affirm which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I was unable to locate my account number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
Only XX/XX/XXXX  someone submitted a fraudulent credit card in my name. When I received the notification, I contacted the credit card company and informed that I did not submit an application. I explained that it was fraud and to cancel the application. They told me to contact the FTC and file a 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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had auto-pay set up on my account and never disabled auto-pay. Target stopped my auto-pay without my knowledge and marked me for non payment in XXXX and XXXX. I never recieved statements for the amount due or notification of missed payment. I only found out because XXXX XXXX  alerted me of a 30 day past due. I have never been late on anything. 

I also made a payment in XX/XX/XXXX  that they never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding LLC is saying I owe them {$760.00}. This is fraudulent inquiry on my Credit Report. I dont know this company and I never heard of this company. I did not had any service or spoke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX  I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends 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 non-monetary relief
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
On XX/XX/XXXXXXXX  I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX  to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends 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 2024-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dated XX/XX/ and XX/XX/ please investigate and provide proof with statements showing that these payments were late. If proof can't be provide i demand these be updated to paid as agreed on time as they should be due to the fact i was never late. thanks! please see screenshots attached.

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 2024-01-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i.

It is my understanding that this information should not be shared publicly.

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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I wanted to learn more about the credit limit increase so I clicked the link " Increase Credit Limit ''. The next thing that came up was " Thank you for your request. '' I did not want to request for one I wanted to learn about it. I did not submit any application and the request was denied. So now my credit score will drop against my will because I did NOT apply for a credit limit increase.

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 2024-01-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX CREDIT CARD ACCOUNT ENDING IN XXXX IS NOT MINE ACCOUNT I SENT A DOCUMENT FROM THE CREDITOR WITH THIER RESULTS. EXPERIAN DIDNT DELETE THE INFORMATION

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo was caught on numerous occasions reordering my account in order to incur overdraft fees and as of recently I have called and complained that I am having a financial crisis ; however, instead of rejecting payment, they are allowing them to process and charging me overdraft fees. I told them that the amount of fees that they want me to pay back on my account is enough to pay all my back bills and that I want my money returned in which they are refusing. Over {$1000.00} was charged in overdraft fees to me as of today from 2020.

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 2024-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
For XXXX I was gifted an American Express gift card with a balance of {$50.00}, I activated the card, checked the balance, and called the company, but the card literally declines everywhere.

Company response to consumer: Closed with monetary relief