vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: FL

Complaint narrative:
I originally opened a U.S. Bank Smartly Checking account in XX/XX/year> and used their promotion code " XXXX. '' I confirmed with U.S. Bank that my checking account was, in fact, eligible for this promotion. 

Here are the terms and conditions, which they are NOT choosing to follow : Open a new U.S. Bank Smartly Checking account. 
Within 90 days, enroll in online banking or the U.S. Bank XXXX XXXX. 
Within the same 90 days, make two or more direct deposits totaling the following amounts : {$2000.00} - {$4900.00} : earn {$250.00} {$5000.00} - {$7900.00} : earn {$350.00} $ 8,000+ : earn {$450.00} The bonus will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements.

You or any owner ( s ) on your new Smartly Checking account can not have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months, or received any U.S. Bank consumer checking bonus offers within the past 12 months. 
A direct deposit is defined as an electronic deposit of your paycheck made through the Automated Clearing House ( ACH ) network or an electronic deposit of government benefits ( e.g., Social Security ) from your employer or the government. Other electronic deposits or person-to-person payments are not considered direct deposits.

The account must be open and have a positive balance to receive the bonus.

The offer may not be combined with any other checking account bonus offers.

Limit one checking bonus per eligible account. 
The offer is not available through XXXX partnerships or with XXXX Accounts. 
The offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm. 
I have completed all the requirements : I made XXXX direct deposit ACH transfers totaling over {$8000.00} before the XXXX deadline on XX/XX/year>. 
My account had a positive balance at the time the bonus was supposed to be credited. 
According to the terms, I should receive the bonus 60 days following the end of the calendar month during which I completed all the requirements. Based on this timeline, I should have received the payout by the end of XXXX, but I have not. 

U.S. Bank has refused to acknowledge their own terms and conditions, claiming I would receive the bonus sometime in XXXX. They incorrectly state that I must wait 90 days and an additional 60 days for the bonus, which is clearly not what their terms specify.

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 2024-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
This complaint is due to the customer service agent/supervisor being unable to tell me the same thing about my " return to repayment update refund " owed to me from XXXX or XXXX XXXX. Each time I called there was a different answer or lack of information. I have been trying to get my refund for the last 14 months. I would be told " It takes different time frames to wait for my refund '' only to call back to inquire on the whereabouts of it and be told it was canceled, the time frame to get a refund had run out, or Check back in so many days. If it were myself, owing them this money, they would be upset with all the runaround and lack of information I have been given. The bottom line is, that I want the refund of the amount I paid in when it was a time I did not have to make payments ( {$390.00} ). The very last time I called I was told my loan was now with XXXX but because it was in XXXX 's hands at the time of the refund period, Mohela would issue my refund after it came from the US Treasury. I am owed XXXX payments of {$190.00} ( XXXX ) but was told I was issued a refund for {$27.00} which is an odd amount and I am not sure what that is about. At the end of my phone call, I was told to check with XXXX about the matter which I did and they said also it would be Mohela to submit the request. I have filed a complaint with the XXXX  on this matter ( # XXXX ) and now, I am submitting a request/complaint to you. I need and want my refund, please. I hope you can go back and listen to the recorded messages when I inquired about my refund and also any requests and correspondence made in their systems. I have requested it but have never received any documentation. More training needs to happen within Mohela as it stands right now. Twice I asked for supervisors and was told they were not allowed to send me to a supervisor. If you would kindly respond to my message here and take care of this matter of getting my refund submitted with a callback to me to give me a status update, I would so appreciate it. 

I look forward to your response. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I checked my statements one day to find out that i had a XXXX XXXX subscription being charged to my chase freedom credit card. Im not sure how i missed it but i looked back and saw it was almost a full years worth i was being charged. I did not sign up for any XXXX XXXX and they're saying my email approved the subscription but i checked my email and there is nothing for XXXX XXXX there. It was clear fraud they did not provide any paperwork to me to prove that it wasn't fraud. I was being charged on the XXXX of every month for a year. the monthly amount was {$88.00}. they credited the charges and then seemed to apply them back onto my account. like i stated they did not provide any proof that it was me. i know for a 100 % fact i did not buy a XXXX XXXX subscription. it was clear fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I was charged for services that were not provided. Goldman Sachs provided me with a credit card with a guarantee that i'd be protected from merchants who take my money without providing agreed upon services, otherwise known as fraud. I tried to resolve my dispute with the merchant and they would not correct the fraud. So i have tried to resolve with Goldman for almost a year now. I have had several representatives agree with me on the recorded line that this is a fraud situation and I should not be charged however a dispute team at goldman that I am not allowed to speak with reverses this charge with a letter stating " we further investigated the dispute and reviewed any additional information that may have provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' even after substantial evidence is provided in writing. This transaction violates both the merchant 's and bank 's agreement with the customer and consumer laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: CA

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, 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 XXXX years. 

15 U.S.C. 16815-2 ( 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 explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car Insurance account opened at XXXX Esurance An XXXX XXXX  ( CREDIT COLL ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a car Insurance account opened at XXXX Esurance An XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, an Auto loan account opened at XXXX  XXXX ( XXXX XXXX XXXX  ) on XX/XX/XXXX under the account number XXXX, a Personal Credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan opened up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate XXXX  XXXX XXXX  Record I am filing this dispute regarding an inaccurate XXXX  XXXX XXXX  record listed on my LexisNexis consumer report. This information, sourced from a third-party company, is incorrect and damaging to my credit and reputation. LexisNexis has failed to provide supporting documentation to verify the accuracy of this entry. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), LexisNexis must ensure the maximum accuracy of consumer data. Additionally, under 15 U.S.C. 1681i, they are required to investigate disputed information and correct or delete inaccuracies promptly.

I request LexisNexis immediately investigate this matter, provide proof of the source, and remove this false bankruptcy record from my report. Please notify any third parties that accessed my report of this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I became XXXX in XX/XX/year> and as a result I was not able to make normal payments which put the car loan behind but I managed to catch the loan up! I had XXXX XXXX in XXXX of XXXX and I was in the hospital for XXXX  days and I explained to the car lender what I was going through how that I lost income and was waiting for the social security administration to approve me for XXXX I did my best to make the payments but in XX/XX/year> the reposed my car with some of my personal items still in the car!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Report Act Convergent, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Report Act Convergent, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2024-11-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Northstar Legal Group LLC
State: MN

Complaint narrative:
I started the program with Northstar Legal Group in XX/XX/year>. Till XXXX XXXX not even a dollar was paid to debt companies. First payment was done in XX/XX/year>. 
Till now I have paid {$37000.00} to XXXX XXXX XXXX. 
They have taken {$25000.00} ( 68 % ) in fees and paid {$12000.00} ( 32 % ) to debt companies. Why so much fees? I want most of the {$25000.00} ( 68 % ) refunded to me because I have been mentally abused and I have been overcharged. 
I started in XX/XX/year> with monthly draft amount of {$2600.00} then in a month I added few more debts to the program and my monthly draft was increased to {$3400.00} Till XXXX 2023 since there was nothing done to pay debt companies my credit card companies interest and XXXX summon fees went up to {$15000.00} approximate. My debt went up instead of going down. Northstar made XXXX more debt active and increased my monthly enrollemnt by extra {$790.00}. I realized I don't have that much money to afford there scam program. I started removing debts which are not in active payment plan and told them to lower monthly draft amount and also for a refund of extra monthly draft money I have paid for XXXX  months, I was told NO. These financial transactions are handled by company named XXXX. 
This company is a scam. They are trying to make money on debt people. I am mentally tortured and feeling depressed working with this company XXXX XXXX XXXX. I can not beleive this company can go this low. This company will bleed you dry. I already received settlement offers at home addres and I forward to XXXX and they use it. It is best to work directly with credit card companies and personal loan companies for settlement offers. XXXX XXXX XXXX will say not to talk to credit card companies and personal loan companies for settlement offers because they want to charge high settlement fees from us which is approximately 68 % of the debt amount. 
On Friday XXXX XXXX I have cancelled the program. 
After filing complaint with XXXX  and lot of phone calls for few months XXXX have returned some money and still they have charged ( XXXX - XXXX - XXXX ) = {$13000.00} as fees which is a lot. I request reasonable amount to be refunded. Thanks.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
I am writing to formally dispute the late payment history entry on my credit report. These entries constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

List of Companies and Unauthorized Reporting which are not accurate and must be removed : >XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The above ARE INACCUTATE and Specifically violates my rights with Unlawful Furnishing of Consumer Reports Without Authorization & Improper Late Payment Designation : Violation of FCRA Permissible Purposes of Consumer Reports : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with the consumers explicit written instructions.

I did not authorize and I request you have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me Improper Late Payment Designation : Under 15 U.S.C. 1666b, creditors must adopt reasonable procedures to ensure statements are delivered at least 21 days before the payment due date. If this procedure was not followed, the late payment designation is invalid.

I did not receive such documentation AND i did not authorize. I request you have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPL
ICIT authorization they received from me.

According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I requested information on the report be validated. The report shows that this is a charged off account. There is a past due balance. if the account is charged off there is no longer a balance and should not show past due. There is a {$310.00} that was written off, yet there is still a balance of {$730.00}. There are reporting inaccuracies and needs to be removed.

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 2024-11-30 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: NY

Complaint narrative:
I am writing to dispute specific unauthorized credit inquiries made on the SPECIFIC dates shown. I did not authorize these inquiries, and under federal law, repeated access to my credit report without my explicit permission is prohibited, regardless of whether I currently hold, or have held, an account with this company. 

List of Companies and Unauthorized Inquiries dates which are not mine and must be removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization before any inquiry is made.

Please have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me ALL of these a absolutely in accurate and im very concerned about XXXX be it a mortgage company and I have NEVER applied for a mortgage in my life. ALL these must be removed. 

Once fraudulent information has been removed, please send me a copy the corrections/ of my corrected credit report. 

ALSO, I am attaching supporting documentation, that these were removed by XXXX and as such shows that it was not legitimate, and MUST BE REMOVED.

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