vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase credit card dispute in the amount of {$2400.00}. I disputed XXXX XXXXXXXX / XXXX XXXX charges with Chase dispute department that took place over a few days in XXXX XXXX I am disputing these charges as I cancelled in the proper timeframe and should be fully refunded. Chase dispute department did not perform a full investigation which would include recorded conversations with the XXXX XXXX XXXX XXXX They also failed to provide dates and times on the attached documents they sent me ( attached for your review ). 

When I spoke with an XXXX agent ( XXXX - XX/XX/XXXX ) at XXXX he told me the following : Case XXXX XXXXXXXX {$2400.00} this amount was refunded Date of travel for this case is XXXX XXXX XXXX Case XXXX XXXXXXXX {$1700.00} This is still pending in Accounting department of XXXX. No one was able to provide any update on this for me. 

When I spoke with Chase and asked what is the difference between Transaction Amount and Merchant Amount they weren't able to explain to me why there is a difference in amount. The case numbers that are in the attached - mailed by Chase do not match the case numbers that I noted above after speaking directly with XXXX XX/XX/XXXX. I am requesting the CFPBs assistance in recovering {$2400.00} owed based on my credit card statement. It seems XXXX charged me more than what XXXX charged. 

Thank you for your assistance! 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 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: FL

Complaint narrative:
Please look at the attached documents to understand what happened to me and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I apologize for contacting you directly, but I am experiencing an issue with a transaction I made on XXXX using the XXXX app. I sent {$500.00} to my landlord, which was my third transaction in the past 30 days. However, my money was deducted, and it has been three days, but my landlord has not received the funds. He has also provided proof that he has not received any money from me. Consequently, I am currently in default, and the bank employees have been unable to assist me. I would be grateful for your help in resolving this issue promptly since this is my hard-earned money. I have included the transaction details for your reference. 
My contact number is XXXX. 
please request urgent help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
A charge of XXXX was charged to my account for services never received. I reached out to the company wo made the charge and they refused to work with me to resolve the issue. I went to my bank and they advised that it will take until XX/XX/2023, to resolve. IN THE MEANTIME, a temporary provisional credit will be provided in 10 days. It is now day 13 I reached out to the bank. They advised me that my dispute does not qualify for a provisional credit because it is XXXX. I advised them that money was removed without me receiving services and I am entitled to dispute transaction. Again, they refused to provide me with the provisional credit, AND told me tha they recategorized my dispute which now makes it ineligible for a provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
In or around XXXX or XXXX I owed ally bank XXXX dollars I did an external funding to fund my account it was put in the wrong account twice. 
Ally bank was rude They made the mistakes. 
They closed both my accounts fir less then XXXX dollars I tried num6times to fix my accounts and it was dilerably put in the wrong account twice I asked them to pull the calls They lied and did not do an investigation They did this cause I'm 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 2023-06-13 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: Oklahoma Student Loan Authority
State: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was closed for fraud which I reported. However, my paycheck went into the account after it was closed. I have called every single day since ( XXXX ) and asked for my paycheck and they are withholding it and saying they have the right to do so.

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: MN

Complaint narrative:
After paying off the balance on my secured card, they froze my account and said during a " routine review '' I needed submit verification. They requested my driver 's license and bank statement. I have never had a credit card secured or otherwise ask for this information but, I complied. I requested my account to be closed and my security deposit returned. I also had a credit builder CD account. I paid it off and requested pay out on that as well. They currently owe me {$3500.00} A month later all they will say is account still under review. 

There I currently a warning on XXXX  website about this company so, I am part of a much larger group all experiencing the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a notification through one of my credit cards that an inquiry on my credit had been opened with Bank of America. Upon further investigation and speaking with experian and a BoA representative, there is currently a pending application under my information. BoA has cancelled the application.

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 2023-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 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 These listed accounts have violated my rights.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 7 years.

15 U.S.C 1681 s-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 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom it may concern I have received information regarding a debt that is being claimed against me. Through my rights in accordance 15 U.S.C 1692g FDCPA violation. They failed to send me required and requested documents to validate this alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I contacted Comenity Bank regarding my credit card always being declined in XX/XX/. I learned that my old account was closed due to fraud and a new card was mailed out. I do not recall being told a new card was going to be mailed out. 

My issue in XX/XX/2023 I was charged a late fee. I did not receive a statement from Comenity to pay my monthly bill. I called to pay my account and asked for the late fee ti be waived. I was told my account was not eligible because Comenity can only waive a late fee every 18months. Because they did not receive returned mail, they still will not waive the fee. I escalated my call to a supervisor and was told the same thing. 

This is not fair and not okay with me. They are supposed to provide a billing statement and did not, or it was lost in the mail. Why am I being penalized in the amount of {$29.00} due to no fault of my own. My address is the same and I always pay my bill on time. 

The fee of {$29.00} should be reversed and I don't care about their policy unless they can prove they sent out a statement to my listed address and prove the statement was delivered to my address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
Thank you for your support in handling this matter. 

My account was started XX/XX/XXXX and according to XXXX, cancelled XX/XX/XXXX. 
This is INCORRECT as I transferred ALL of my phone lines to XXXX XXXX XXXX XX/XX/XXXX. 

I have made numerous ( over 20 at least ) attempts to gather information via phone and email from XXXX Frontline Asset Strategies, and XXXX XXXX XXXX 

XXXX has given me multiple INACCURATE reasons for the collection : XXXXThey first told me that the account wasn't in my name, and therefore could not give me any information -The collection was due to an account they kept open even AFTER I transferred my phone lines ( XXXX XX/XX/XXXX ) -The collection was due to unpaid balance on a phone device -That the last bill on file was from XX/XX/XXXX for XXXX 
-That the last bill on file was from XX/XX/XXXX for XXXX -That the last service bill was from XX/XX/XXXX, and that there was a " {$100.00} for service charge, {$11.00} for late fee, equaling {$400.00} ''. 

A XXXX representative in XXXX of XXXX had assured me that the manager had assisted her in removing the erroneous information and I no longer owed anything- THEN soon after, they sent me to collections. 
I had asked for the voice recording of that call, to which they responded they do not provide those because they are only for training purposes. 

XXXX XXXX, a manager for Frontline Asset, REFUSED to give me any information on the start/end date for the collection account, or why the collection was transferred after I had submitted proof to them that I did not owe anything ( even after I explained to him that it was my right as a consumer to have information regarding a debt that was being attempted to be collected ). 

However, I appreciate those at XXXX because they have been very responsive and have helped me get in touch with XXXXXXXX multiple times. 

I asked XXXX for a year 's worth of statements, billing information, and payment information. 
I was given a generic statement stating that I owe a little over {$400.00}. 
There was NO INFORMATION on the bill statement for what the amount was in regards to or what it included. 

I have never been late or missed a phone payment, and I was told I needed to pay off both the phone device and any due debt prior to transferring my lines to XXXX XXXX XXXX. 

This collection is impacting my credit and also just causing me overall frustration and stress because I know that I do not owe any debt. 

I am attaching the statement from Credence stating that the bill service date is from XX/XX/XXXX and later- After I had already transferred all my phone lines ( shown in XXXX XXXX XXXX XXXX statment ). I am also attaching the disputes I've placed. 

After the overall dissatisfaction with my customer experience, I also began recording a few of the phone calls that took place with XXXX I have those also if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have an incorrect debt that has been reporting on my credit report for over a year that was paid by credit card insurance. Although the debit was paid it is reporting as not paid and the original creditor ( FingerHut ) sold it to another company ( Resurgent ). I have contacted both companies several times and submitted proof and the issue is still not resolved. It has impacted my credit and lifestyle as I have had to pay high percentage fees because of my credit score and not qualified for credit cards or loans. I have submitted proof to the creditors as well as the credit bureaus multiple times. None of which took any action to remove the fraudulent report. I would like to move forward with a complaint and legal action as well as to be compensated for the suffering of the fraudulent misrepresentation on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NY

Complaint narrative:
It says I am an authorized user and i never applied for that card.

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 2023-06-13 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: NY

Complaint narrative:
It says I am an authorized user and i never applied for that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NY

Complaint narrative:
It says I am an authorized user and i never applied for that card.

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 2023-06-13 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
navient said nothing was their fault..mail is slow ... ... ... .they are cashing the checks sent 2 plus weeks after sent ... .i do not think the mail is that slow every time... .i think they are waiting to hit mw with a bunch of late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I tried contacting the companies via mail about these accounts that were paid in full. These navy federal accounts have been paid in full on XXXX XXXX, 2023 for a total of {$6000.00} XXXX, XXXX, XXXX. It is still reporting negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder XXXX XXXX XXXX XXXX Balance : {$1200.00}

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 2023-06-13 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, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

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