vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX is fraudulently charging me {$2400.00} for a hotel reservation that On the XXXXXXXX has no record of. XXXX  lied and told Wells Fargo that I cancelled the reservation, and told me that I used the reservation, however neither is true because On the XXXX had no record that I had a reservation to begin with. It is in fact a duplicate fraudulent charge for a XXXX bill already paid to XXXX XXXX 

Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my actual stay. 

On XX/XX/XXXX XXXX  XXXX  refused to give me the room type I booked, a suite with two separate beds for me and my adult son in XXXX XXXX ( XXXX XXXX ). They overcharged me for a suite but gave me a much smaller room with one bed only and no bed for my adult son. I immediately submitted an on-line request ( which is allowed according to their policy as stated on their website ) for them to fix their error which they denied receiving but admitted through XXXX chat. 

I contacted On the XXXX  on XX/XX/XXXX ( to fix the reservation ) and they told me on XX/XX/XXXX that there was no reservation from XXXX  so I made a reservation for the same hotel and dates with XXXX ( which I paid ) otherwise I would have had to cancel my 14 day trip ( I had already booked plane tickets for XXXX leaving from XXXX on XX/XX/XXXX and we would have had no place to stay in XXXX ) XXXX 

I filed a dispute with Wells Fargo and XXXX  told Wells Fargo that I cancelled the reservation and then they contradicted themselves and told me I used the reservation, neither of which is true, as XXXX XXXX XXXX told me I had no reservation to begin with. Additionally, XXXX suggested that I file a dispute with XXXX or Wells Fargo because XXXX cant help me with the fraudulent charge from the travel agency because it has nothing to do with my stay. To add insult to injury Wells Fargo instead of helping me is charging me finance fees on this fraudulent charge which I have not paid.

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: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I financed car XXXX XXXX XXXX from XXXX XXXX  and I had loan with ally bank Due to job lost I did not make few months payment. My car was reposed XX/XX/XXXX. XXXX XXXX  approved my loan with high interest rate monthly {$720.00} car payment plus gap insurance. 
I requested for my personal items but they never gave me a information where is my car now.

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 — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Background I have been a card holder with American Express for 44 years. 
The company that once claimed a world of service has become the worst credit card company of the many I still use. They generally ignore problems figuring that the customer- card holder will give up, which I usually in fact do with them. 

However, this matter is so outrageous, I forwarded my formal demand for arbitration directly to their legal counsel. I received the identical form rejection letter dated XX/XX/23 refusing to do anything to remedy the obviously fraudulent bill. 

The facts I charged a XXXX XXXX  to my XXXX XXXX card. I declined all extras. I tried to pay a cash toll, but the attendant told me my XXXX  transaction already was charged. 
I tried to pay the $ XXXX total of tolls online after my rental as I always do, but the XXXX  website rejected my payment because it was already paid. 
There was NO XXXX  on the windshield, although some tape remained from something that was once attached. XXXX had left an unlocked, unprotected XXXX  hidden in the back of the closed center console which evidently was able to communicate with the toll facility. 

My investigation with a XXXX XXXX XXXX XXXX  representative informed me that while she had seen many rental car XXXX  scams THIS was a first. XXXX charged me 15x the actual toll.

Company response to consumer: Closed with 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 belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being. 

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues. 

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA. 

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system. 

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, two unauthorized transactions charged on my Bank of America credit cards, both from a gas station. Around same time, fraud transactions happened in several of my credit card and Bank of America card was one of them. I received a BoA security alert questioning the authorization of these transactions, to which I responded with a 'No. ' However, the transactions still went through. Immediately, I initiated fraud claims and replaced my credit card. After XXXX days, my claim was denied by the bank, with the reasoning that they believed I made the transactions without providing any supporting evidence. I requested a reconsideration but have yet to receive any update as of XX/XX/XXXX and the payment for these transactions are due.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the XXXX XXXX XXXX ( A ) ( XXXX ) XXXX XXXX XXXX XXXX ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section XXXX ( A ) XXXX XXXX XXXX XXXX ( XXXX ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section XXXX XXXX XXXX XXXX ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was a victim of identity theft in XXXX of XXXX. My phone number, email, social security number, checking and savings accounts along with various credit cards in my name were all hacked. I was able to resolve all of the above issues except for my XXXX XXXX Chase XXXX cards which I had not previously used. Someone was able to obtain the card information and download it onto their phone ( I still have the card in my posession ) they then charged in XXXX day almost {$10000.00} to the card from XXXX. I have reported this several times to Chase and they have said they have investigated but not removed the charges 3 times. The last time I called on XX/XX/XXXX, they reopened investigation again and asked me to send a copy of my credit report showing that I have a security freeze on my account which I did. They said they would respond in 4 days but when I called again this morning, they gave a run around answer and said it will be XXXX more days. I am currently battling XXXX  XXXX XXXX and the added stress of this situation is detrimental to my health. Please advise if you can help. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and Bank of Americas ATM took my money of {$1000.00} on XX/XX/2024 which was part of my rent money and havent credited my money back as of yet. They advised me that I have to wait XXXX to XXXX business for them to credit my money back that their ATM took from me which is bogus. XXXX getting charged late fees of {$500.00} from my landlord because of this issue. I expressed this to Bank of America and the only thing they can say is Sorry but Sorry isnt helping me pay my bills. I need my {$1000.00} back now! ATM id : XXXX Bank of America address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
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: MO

Complaint narrative:
Experian closed this with non-monetary relief, PUT MY PAYMENT HISTORY BACK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding the unjust and unwarranted suspension of my PayPal account. I have been a loyal and responsible PayPal user for [ number of years ], using the platform for various transactions, including selling items on XXXX, completing art commissions, receiving payments from friends, and conducting business with local mom and pop shops. 

Recently, my account was suspended without prior warning or a clear explanation of the reasons behind the suspension. I have always adhered to PayPal 's terms of service and have not engaged in any fraudulent or abusive activities. The only recent incident that I can identify is a transaction intended for an associated individual who helps me manage my commissions. Unfortunately, this individual filed a refund, leading to the closure of my account. 

I am fully committed to resolving any concerns related to that particular transaction promptly and fairly. However, the drastic measure taken by PayPal to suspend my account without proper investigation or communication is highly unjust. This abrupt suspension has disrupted my ability to engage in legitimate transactions and has had a significant impact on my personal and business activities. 

I have attempted to contact PayPal 's customer support for clarification and resolution, but the responses have been unhelpful and vague. The lack of transparency in their decision-making process and the absence of a clear appeals process have left me frustrated and helpless. 

Whats the matter is that whoever mess with my account took out money from my bank of a total of {$160.00}, and been using my account without my prior knowledge, I end up having XXXX cases on Paypal that I was unaware about, I called customer service to ask what this was about. But then I ended up getting permanently banned and the scammer took my bank number under my nose, as well as having a negative XXXX of XXXX dollars. Paypal never emailed me this information, this was something I had to find out on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I asked for documentation on the debt, the collector claimed to not have the documentation. He failed to notify me that I could dispute the debt. He refused to allow me to settle the debt for a lower amount.

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: IL

Complaint narrative:
Hello CFPB, I am writing to bring to your attention a matter of concern regarding the reporting of an account in my credit history, specifically XXXX XXXXXXXX XXXX - Acct # : XXXX. 

It has come to my attention that XXXX deleted this account from my credit history on XX/XX/XXXX. I am seeking clarification on the difference in reporting between the two credit bureaus. I am curious about the methods employed in their investigation and verification process, as XXXX has deemed this account unverified and misleading. 

I am keen to understand how Experian and XXXX can assert the accuracy of the reported information, given that a major credit bureau has already removed it from my credit report. If the data originates from the same creditor, it raises questions as to why different results are being reported. 

I insist to delete XXXX XXXX XXXX  - Acct # : XXXX, due to the following reasons. 

XXXX. It has already been proved inaccurate by XXXX as the result of why they have to remove this invalid & erroneous account from my record. 

XXXX. When you compare reports from one consulting agency to another, you can see a big discrepancy of the following : Date Opened : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX ( Experian ) Date Last Active : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX ( XXXX ) - XX/XX/XXXX XXXX. According to the FCRA law, under the Compliance Procedure, when a credit reporting agency creates a credit report for a consumer, they must take reasonable steps to ensure that the information in the report is as accurate as possible. They need to do everything they can to get the facts straight and avoid mistakes. This includes checking sources, verifying information, and making sure they have the most up-to-date information available. 

In other words, the credit reporting agency has a responsibility to make sure that the information in my credit report is correct and reliable. They can't just put anything they want in my report without making sure it's true. If they find out that something is wrong, they have to fix it right away. 

Additionally, I also want to bring to your attention the inaccuracy of my personal information, specifically on the following category : Date of Birth Current Address Previous Address Employers This actually made me wonder as to how you obtain my information and the items you are reporting on my credit report if my personal information were factually INCORRECT!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with TransUnion, XXXX, and XXXX. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.

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