vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
A fraudulent address was added to my credit file by Lowes. I live in XXXX and the address added to my file was in XXXX. The credit reporting agencies said they can not remove the address and to contact Lowes. Lowes has not removed the fraudulent address nor responded to my request.

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 2023-06-02 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: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, XXXX and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and XXXX ) responded by saying that they called the loan servicer ( Mohela ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with Mohela. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. Mohela said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to Mohela within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and Mohela to corroborate my information should I need to tag legal action. Mohela admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. Mohela has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The company involved is " Chase Card Services '' or commonly known as J.P. Morgan Chase ( JPMC ). Other creditors referenced below are not a part of this " complaint. '' In XX/XX/2023, I learned I was the victim of ID theft and 5 accounts at 4 creditors were opened in my name without knowledge or authorization from me. I found the accounts through my credit report and contacted all creditors. There were 2 accounts at Chase Card Services ( CCS/JPMC ) and 1 each at 3 other creditors. I contacted all 4 creditors, the 3 credit bureaus, and FTC Identity Theft report center. XXXX XXXX, XXXX, and XXXX found in my favor, notified me, and had the negative accounts removed from my credit report occurring in an improvement to my credit score. 

Of the 2 CCS/JPMC accounts, only 1 was ever used before it was charged off. The other was closed before the startup fee was paid. I focused on the negative account. CCS/JPMC denied my dispute saying " The account was opened with an address we confirmed through public records. We mailed credit card statements to this address, and they were not returned. '' I contacted CCS/JPMC and said I have a " public record '' that I live at a different address and did not receive any CCS/JPMC statements. I imagine the fraudsters may have received the statements and did not voluntarily return them, thereby self reporting their crime.

I then disputed the denial. I submitted the referenced letters from the other creditors finding in my favor as evidence to CCS/JPMC. They denied the dispute again and said " You have accepted responsibility for this account '' and " We previously sent a one-time passcode to your verified phone number. '' I personally never accepted responsibility nor received a passcode ; however, I imagine the fraudsters did that in my name. I then contacted CCS/JPMC again to see about my options, they said something like they will look into it but ultimately denied me saying, " Our latest review confirms our previous finding that the account is valid '' and " You're responsible for the account in accordance with your Cardmember Agreement. '' Also, that no further review will be taken w/o new information. More of the same ; not my agreement as I never applied. I am now seeking assistance here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I had no knowledge an Apple Credit card was taken out by a member of my family. I starting getting bills and rather than getting a bad report on my credit, I foolishly paid them. The account was finally closed and now it has been reactivated. I really an annoyed by this, I thought it was all taken care of. Now I have a new balance popping up and I dont know what to do. I dont even know the credit card number or why these charges are reappearing. Please help me to get rid of this once and forever. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use 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 non-monetary relief
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use 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
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have a capital one that appears on my credit report in a negative way because they locked my account because I changed my phone number and could no longer login for my payments and didn't take my state ID as verification to unlock my account no payments were late prior to the change of my phone number, I also have a XXXX XXXX on my account that's from 2018 that's not mine. I can't get a loan because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
To whom it conerns, SANTANDER CONSUMER USA is reporting a due balance of {$33000.00}. However, they are continually trying to charge my card every month for the car note. They have already repossessed the car. However, they are trying to charge my card on file every month instead of selling the car and putting the remaining amount on my credit. According to my account on Santander, it says I have a REMAINING BALANCE OF {$16000.00}. However, they put over {$33000.00} worth of debt on my credit report which is an FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. This is unacceptable I have proof of a violation being committed and I have filed a police report. PLEASE REMOVE THIS FROM MY CREDIT I HAD NO KNOWLEDGE OF ANY OF THIS INFORMATION DURING THE TIME OF SIGNING I WS TRICKED INTO PAYING A {$5000.00} DEPOSIT FOR A CAR THAT I WAS TOLD WAS {$10000.00} THIS IS ILLEGAL AMERICAN CITIZENS DESERVE BETTER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2023 amount XXXX wells fargo just deny my claim even after showing them the proof and a police 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 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My loan company Bridge Crest is my Car loan financial institution. 
I strongly believe they are purposely tanking my Credit score. I have 3 to 4 Modification agreements since 2019. I believe instead of putting the Modification amount on the back end of the loan, they are forcing me to pay my car note 3x monthly. I also believe, they are over charging me with late payments which is tanking my credit score. 

I have asked them several times to put me on a monthly payment schedule, but for various inexcusable reasons they are not allowing it. When I pay my bill between the 3rd and the 6th of each month they are still charging by weekly and causing me to fall under late payments, in which they are charging me late fees 2x monthly. 

I have been paying monthly since XXXX of 2019 and since then they have failed to correct it as well as charging me other fees in which i know if i do owe for XXXX and XXXX of 202XXXX. I owe no more than {$300.00} in back payments, they have charged me XXXX XXXX XXXX $ and now almost a XXXX due to the fact that they are still ( charging me by weekly on top of my monthly payments. THEY WILL NOT FIX THE ISSUE... .... 
Someone has called me, i have tried to reach the person several times. During our first and only conversation i told them i would go through my bank statement in which i am not an account of any kind and it's difficult to get banks statements more than 5years old. I have called the customer service number various times, discussing the issue after talking to management to straighten out the situation, but they are lying about where these extra charges are coming from. 

I need an outside person to go over their books and correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2023 I was replying back to a work from home company called XXXX XXXX which is a very creditable company. I was contacted via text, and this person stated that I was selected for an interview for the job. This interview was held on an app called XXXX. The person I was talking to was impersonating as an employee from this company. They gave me sets of interview questions that seemed legit and once I was done they told me that they would get back to me the next day to let me know if I got the job or not. On XX/XX/2023 I was giving the news that I got the job. I was given an offer letter with the actual companys logo on it and everything. The impersonator went on to explain what the job entails. They told me that the equipment I was going to need would be paid for but I would have to cash a check provided by XXXX XXXX to buy the equipment. They sent the check of {$3100.00} and once I tried to deposit this check my account at Huntington Bank closed. I ended up calling Huntington and ask them what the problem was. Apparently, the check turned out to be fraud. The account was then overdraft of the {$3100.00} and once I told the impersonator if they were scamming me they tried to plead it wasnt a scam. The impersonator also asked how much money could I pay out of MY pocket also since my account closed. I stopped talking to them after. I know Huntington has a strict policy but I need them to understand that this was not to my knowledge all this was a scam. It seemed to good to be true but as a XXXX XXXX XXXX XXXX who is desperately looking for a job in these times it was an honest mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
CapitalOne credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX XXXX and XXXX is currently reporting it monthly as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, Department of EducationXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, Department of EducationXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company illegally checked the status of my stimulus payment and demanded payment from the stimulus. Sent XXXX  complaint which included a copy of the recording

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for an American Express XXXX XXXX XXXX that promised XXXX membership rewards points after spending $ XXXX. I spent the $ XXXX and noticed that the points hadn't posted after a few days. After calling American Express they said this would be fixed in a few days. Today I called back after a week of not hearing anything, and was told that I would have to wait 12 weeks to begin the process of escalating. They also said that I would have to pay the $ XXXX bill in the meantime. 

This is not what I signed up for. The points should be posted on my account already, or I shouldn't be required to pay the $ XXXX bill until the points have been delivered. All reports I read online say that this will drag on for months and that American Express will never actually deliver these points. 

I am getting multiple conflicting reports from American Express as to what the issue is. But the short answer is that I have spent the $ XXXX that I agreed to, so now they should add the XXXX membership rewards points onto my account.

Company response to consumer: Closed with non-monetary relief