vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: SD

Complaint narrative:
I scheduled massages and facials for myself, a friend and our husbands on XXXX. I called XXXX XXXX XXXX and gave them my credit card to hold our spot. 
A week prior to our appointments my friend and her husband were unable to go ; that day I called XXXX XXXX XXXX and spoke with ( XXXX I believe ) and informed her to cancel every appointment, and except 1 facial ( for myself ). She said that was fine. 
On XX/XX/XXXX, I went to the salon by myself and had a facial. I paid for it while I was there ( approx {$150.00} ) and left. 
When I was later reviewing my statement I saw that XXXX XXXX still charged me for 4 facials and 4 massages, totaling {$810.00} on XX/XX/XXXX. 
Citi Bank has reviewed my my case and XXXX is not crediting my account. I refuse to pay for an {$800.00} charge that is not mine, I called and canceled a week prior. And I went to the spa on XX/XX/XXXX for a facial, which you can confirm on my statement. The charge for approximately {$150.00} on XX/XX/XXXX is accurate. The {$800.00} charge on XX/XX/XXXX is not accurate. 
This is a lot of money, I need someone to review. Please review camera recordings from that day? Please let me know whatever i can provide to help resolve my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX  mother of XXXX  XXXX  children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.

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 2023-06-24 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: PA

Complaint narrative:
On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX  mother of XXXX  XXXX  children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: National Commercial Services, Inc
State: CA

Complaint narrative:
They are reporting a debt for something i paid a consultation fee in the past already ; then the doctor sent me a consultation bill way over charged for something i was never made aware of. they tried to run-a scam for an astronomical bill that i was never made aware that i would be charged for. This is ruining my credit. I would like to see proof for this debt. I contacted both and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: South Carolina Student Loan Corp
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX Account Number : XXXX Fraudulent Inquiries : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution.

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Wednesday XX/XX/21 Wife sent me {$140.00} at XXXX and I made a withdrawal at a atm around XXXX. On her account for Cashapp, it shows that she sent me the {$140.00} but on my account for Cashapp it does not show this. Also, when adding everything up since the moment I got paid that day it doesn't add up and I am missing {$140.00}. I have contacted cashapp multiple times with almost every customer service associate either hanging up on my wife and I or not listening correctly, then assuming that there isn't anything wrong. But multiple times customer service couldn't find my account, even though i was giving them all the information. I have sent them screentshots of what it's supposed too look like if someone was too send money then withdraw. Also, times on when transactions taken place do not match up. I have reached out multiple time both call and email but no one is helping with the matter. The screenshots taken are of my end of the app, the statement is from Cashapp. As you can see things do not match up. Please advise on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Wire Instructions : This CFPB claim shall constitute written wire instructions directed to American Express executives XXXX XXXX and XXXX XXXX. 

Dear American Express, XXXX XXXX, and XXXX XXXX, In your written correspondence dated XX/XX/2023, you acknowledged receipt of a negotiable instrument for {$12000.00} that was applied to American Express green card account number XXXX. 

This negotiable instrument had redemption rights as a security under CUSIP numbers 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 

Pursuant to my rights as a beneficiary to the aforementionedCUSIP numbers under Phyllis Horace v LaSalle Bank National Association which are equivalent to those of a shareholder or investor in the trust, I instruct you to present the aforementionednegotiableinstrument for redemption to American Express 's contact at the XXXX XXXX and XXXX XXXX as well as to the indenture XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under their routing XXXX and give them the aforementionedCUSIP numbers to specify which accounts the negotiable instrument is drawn upon. I further instruct you to credit the funds drawn from these CUSIP numbers to American Express green card account number XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2023 I contacted my bank to dispute fraudulent ATM withdrawals as soon as I soon as I received info from my employer I had been paid to a card I didnt have on file.It went to my old address. When they got on the phone I asked can you please block my card. As I was on the phone with them my account was being drained. They claimed to lock my card as I was on the phone and it still got drained for {$900.00}. I relocated to XXXX in XX/XX/2023. I explained to the bank I did not receive nor set up the card. The transactions were On XX/XX/2023 amount {$300.00} XX/XX/2023 amount {$300.00} XX/XX/2023 {$300.00} And on XX/XX/2023 {$300.00}. On XX/XX/2023 I called the bank and they told me they closed account and that they were not going to give my money back. They should have pulled videos or something more.

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 2023-06-24 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My privacy is continuously being violated by Chase XXXX credit card advertisement. I have not granted consent for chase bank to soft pull from any credit reporting agencies to send advertisements to solicit my business. 

Chase denied my application ( collateral ) for the credit credit. However my application was submitted to the Federal Reserve for payment but I received no compensation, nor was my application returned to me. 

My consumer rights were violated with the denial because I can not be denied for exercising my rights as a natural person. Which is discrimination and discouragement per the EOCA. I was denied based off someone's opinion. There is no where in the law that says you make the decision off of information from a credit reporting agency. In fact congress does not back anything from the credit reporting agencies. 


Chase Bank is in violation of the EOCA ; this denial has caused me harm, discouragement and it's discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: AL

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX 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 2023-06-24 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: UPGRADE, INC.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: TX

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on 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 explanation
Consumer complaint received 2023-06-24 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:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I spoke with a Honda associate who informed me that I had 1 payment remaining for an amount of {$560.00} then when I called in for the final payment another associate by the name of XXXX told me {$1100.00} then I asked for a supervisor or manager in which she said well since I'm explaining everything to you my manager will not probably call you back then when I asked about the extra amount she couldnt explain or break it down to me Im not understanding how all these different amounts are being given to me and have yet to be broken down and explained I wasnt aware of {$1100.00} I feel the company is trying to swindle more money out of me due to my contract is ending and also asked them to go back and listen to the call the associate didnt do so and when you call it says this call is being recorded and monitored

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-24 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: NV

Complaint narrative:
Credit card ending XXXX issued by XXXX. From the very beginning the monthly payments were deducted from my account, XXXX XXXX ending in XXXX, on the XXXX of the month and never defaulted since it is an automatic withdrawal. 

I have a credit available of {$51.00} as of XX/XX/XXXX and according to the website that i log into, it says that " I'm ineligible for new draw ''. 

I am making monthly payments at 29.99 % and I have credit available but I'm not able to withdraw the money but they are deducting money towards the card. 

This is a fraudulent business service and enrichment at my expense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
On XX/XX/, I paid just over XXXX to Hyundai Motor Finance in XXXX Texas. They requested an odometer statement. I did it and got confirmation by docusign same day XXXX. XXXX asked about XXXX times and I filled it out on XXXX, XXXX, and XXXX of XXXX. I called several times. Finally hmf said they received it but I havent received the title. The buyer of my vehicle is threatening to walk away and I dont blame him ; they sold their vehicle already in anticipation of my vehicle sale. Please help! XXXX took my money immediately and I have no proof of actually owning my car and this have no ability to sell it. Ive already bought a new vehicle and am paying double insurance! Please help!

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