vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was booking a hotel through the Chase app. The app crashed and charged my account the full amount without a notification. I waited several minutes for an email or for the charge to appear on my account. It did not. I then tried again and this time was able to submit while also selecting " DO NOT USE POINTS. '' After this transaction was submitted, I received an email for the first transaction attempt and the second ( in the same minute ). The app essentially double booked ( duplicate charge ) and used points for both purchases which was not selected by me the user. 

I called Chase directly and was redirected 5 times. The last person I spoke to told me I needed to call back to verify the " vender '' would approve the refund. I told them it was not my responsibility as they illegally charged me. They said they would call back and they have not. Additionally, the last person said they were going to transfer me to another person to dispute both charges all together. Once I was transfer 'd I was hung up on. Chase bank is avoiding me when trying to dispute their criminal charges against me. What they did goes against their terms and conditions as well as criminal law for fraudulent charges. They have not rectified the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A hard inquiry was made on XXXXXXXX XXXX XXXX. I did not apply for any new credit. At XXXX pm. I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. They all asked for SS #. I refused to give that. The last person said she looked for an application by using my name and could not find one. She said she could not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My wife and I applied for a mortgage refinance. The lender obtained a report from Experian. Experian then sold my information and the fact that I was seeking a mortgage to multiple other lenders. As a result, I, my wife and our business has been inundated with phone calls. So many calls that I can not operate our business as the phones are ringing constantly. 

My personal phone is ringing as I am typing this. I simply can not answer my phone.

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 2023-07-25 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: GA

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.

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 2023-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I called to see if Sallie Mae could give me a student loan based on my unique situation. The woman I talked to said that I could and that she could fill out the application over the phone. I asked for {$5000.00} for one semester of school. 

The application was set up requesting {$28000.00}. Obviously it was declined. I called back to get it fixed and was told all that could be done was to redo the application - causing ANOTHER unnecessary credit run. This was totally their fault and I was told there were no options to have it fixed. 

My income is XXXX XXXX XXXX  year - a {$5000.00} loan should have been an automatic approval. But because their associate decided to inflate the request to a completely ridiculous degree, I will not be able to get a loan now to finish up my education.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
My husband and I sent a letter with a check for settlement over a week ago via certified mail and when we made contact with them today XX/XX/ they are using deceitful tactics such as that they returned the check back stating that XXXX ( when they are a 3rd party debt collector ) wasnt accepting that amount last week but now they are this week, but wont provide proof of our check being sent back the debt collector is Diversified adjustment services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I RECENTLY PULLED MY CREDIT AND THIS COLLECTION WAS ON IT. THE COMPANY NEVER SENT ME ANYTHING BY MAIL, EMAIL OR ECT. TO GIVE ME A CHANCE TO VERIFY ( CHALLENGE ) THE DEBT WAS EVEN VALID.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I agreed to a month trial of the services provided by XXXX for nutrition. They increased the price I paid since I was not agreeing to sign up for the full 6 month contract and I agreed. I was not advised that I was signing up for a recurring monthly charge that would require 30 days notice to cancel. Therefore, in order to sign up for one month I would need to advise that I was cancelling on the day that I signed up. 

After the month was completed and paid for, on XX/XX/XXXX I was charged for a second time {$490.00}. I tried multiple times to contact someone about this and would leave messages with the answering service as the business can not be reached directly. Finally, XXXX XXXX called me back days later and advised that it was a monthly recurring charge. I advised her I had no knowledge of that and she insisted I signed the agreement. I received an email from their " support '' team finally on XX/XX/XXXX advising that XX/XX/XXXX payment would be my final payment and my membership was valid for the next 30 days. Therefore, in theory I should only be responsible for 2 payments of {$490.00}. 

On XX/XX/XXXX, i received invoice number XXXX in the amount of {$2900.00}. This assumes 5 payments of {$490.00} and a 16 % chargeback fee and a collection fee. I again tried to contact support with no response. Apparently, my messages were received and I received a revised invoice with no explanation on XX/XX/XXXX in the amount of {$1100.00}. This assumes 2 payments of {$490.00}, a 16 % chargeback fee and a collection fee. This invoice continues to be incorrect because I already paid {$490.00} in XX/XX/XXXX and that charge was not disputed or declined. 

Instead of correcting their erroneous invoice or responding to my calls, they sent my file to collections with Fein, Such, Kahn & Shepard. This debt collector sent me a debt collection bill in the amount of {$2800.00} which is a wholly inaccurate amount since my account has been cancelled since XX/XX/XXXX. I was only a member for 2 months which is $ XXXX  monthly. This debt collector did not verify the debt before contacting me or is trying to intimidate and harass me by including a larger completely inaccurate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX XXXX Account Number : XXXX  It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-07-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered that a charge off has been reported by Best Buy/CBNA on XXXX, indicating that the account has been closed and charged off as a loss. However, I believe that this charge off is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681 ( a ) and 15 U.S. Code 1666 ( b ). 

Basis for Removal Request : Violation of 15 U.S. Code 1681 ( a ) : Under this federal law, consumer reporting agencies are required to provide fair and accurate information about individuals ' credit history. It is my understanding that the information provided to the credit reporting agencies must be factual and substantiated by appropriate documentation. I have not been provided with any evidence to justify the charge off, nor have I received any communication indicating the intention to charge off the account. 

Violation of 15 U.S. Code 1666 ( b ) : This law requires that creditors provide consumers with a written notice, clearly stating the reasons for the charge off, at least 30 days before the actual charge off occurs. I have not received any such notice, and as a result, I was not given an opportunity to address or rectify any potential issues with the account.

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 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
Several days ago, I had purchased a XXXX XXXX Gift Card for the total of XXXX XXXX dollars. Not only am I unable to view my balance online, but my card with plenty of money to cover my purchase is being declined online for anything. Their website has offered no place to file a dispute or issue, so I resorted to the Consumer Financial website after calling their customer service line and not being placed on a line to speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was checking my credit report on XXXX XXXX on XX/XX/XXXX and I noticed a few inquiries that I do not recall applying for. There are four inquiries that I did not apply for that are showing up on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX and XXXXXXXX XXXX XXXX was reported on my credit report on XX/XX/XXXX. XXXX XXXX was reported on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
There were many charges made to my credit card from XX/XX/XXXX through XX/XX/XXXX, mostly at gas stations that I did not make. The fraudulent charges at gas stations in cities that I had not even gone to totaled {$2600.00}. I reported these as fraudulent charges to Citibank and they responded with the following message : " We've completed our investigation and your dispute is now closed. During the investigation, it was confirmed that you participated in the transactions with the merchant-we didn't find any evidence of fraud. Additionally, you verified that your card was in your possession a the time of the transactions. '' Although the card was in my possession I DID NOT MAKE THESE CHARGES. Someone obviously stole my credit card info and was using the card to make gas purchases, mostly in XXXX Michigan. I have been to XXXX only once since XX/XX/XXXX and yet there are numerous charges for gas at XXXX gas stations.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
i sent them a letter on XX/XX/17 asking them to verify the debt and what actions they took to veryfiy the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX has been stealing money from me and my mother for at least the past XXXX years. He has filed my 2019 tax return, received fraudulent unemployment insurance funds in DC and Maryland under our names. Mostly he uses my XXXX account, which he made into a merchant account, to place charges against our accounts and receive funds which he then transfers into his own account. I have already filed complaints with the Federal Reserve Board and the IRS. I have also filed complaints with my local police departments in DC and Maryland, DC report number XXXX and XXXX XXXX XXXX report number XXXX. The target is XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in XXXX. My mother 's phone number is XXXX. My email which I just had to create is XXXX. It used to be XXXX. I am a XXXX in MD and DC. He has infiltrated my attorney filing system accounts ( Maryland E-filing ). This man used to be a family friend and has known me since before I was born so he knows all of our personal information. He has stolen at least {$87000.00} from us. I am in still in the process of marshalling evidence. I have downloaded a lot of data but this man is able to infiltrate into my home computer and either rearrange and/or delete my evidence. I am able to include some however which I am uploading now. I hope to receive a report number so I may supplement this complaint later with additional evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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