vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached letters that were sent to the credit reporting agencies and the creditor XXXX XXXX which are dated, and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
I mailed a section 609 dispute letter to Transunion on XX/XX/2023 on five accounts, " XXXX XXXX '', " XXXX XXXX XXXX  ", " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been way over 30 days and the matter has not gotten resolved. The credit company is not complying with their own policies in a timely manner. I've attached a copy of the letter that was mailed out to Transunion.

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 2023-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Betterment LLC
State: NY

Complaint narrative:
Betterment fraudulently withdrew {$900.00} from our bank on XX/XX/XXXX. This was discovered by us during an internal audit. On XX/XX/XXXX, we raised the issue with Betterment asking them for an explanation of this fraudulent transaction. It's been 3 weeks since we originally brought up the issue with them. After my initial 3 unanswered emails I finally got a response saying they were " looking into it '' over a week ago after I threatened to report them. They've since ignored subsequent emails asking for a status update into the funds they've stolen from us. I'm filing a complaint with CFPB today because of their unprofessional behavior and lack of common courtesy to even provide basic status updates of their supposed " investigation '' when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Capital Bank advertised to apply for a credit card through a merchant called XXXX XXXX XXXX through a program called XXXX XXXX '' and receive a discount on my order in the same amount as the sales tax I would be charged ( 7 % ). The offer says it can be used immediately upon approval. I applied, was approved with a {$7200.00} credit line, and the card added to my account. However, Comenity Bank kept declining the {$220.00} charge. I contacted the Merchant who said I had to call Comenity Bank ; I called Comenity Bank which said I should call the merchant again ; and then I called the merchant which again directed me back to Comenity Bank. Bottom line is that I was not able to use the card, and but for the false advertisement that I could use the card immediately, I never would have applied. As a result, I now have an unnecessary inquiry on my credit report which can not be removed, and did not receive the {$15.00} discount I was supposed to receive for placing my first order after being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.

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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The original loan was in my late husbands name but after he passed away I being his surviving spouse continued to pay on the loan and a death certificate was provided. I decided to purchase a car in my name only and turned the car over to Ally Bank. They sold the car in XX/XX/XXXX and issued a check to the estate of XXXX XXXX. I contacted them to inform them there was no estate and tried to get them to reissue in my name and they refused. I hired an attorney and finally obtained a certified copy of an order signed by the judge to have check reissued in my name. Again they refused and reissued check to my late husband. It is filed under their agreement number XXXX. The court order filed XXXX in XXXX XXXX Florida Court Probate Division signed by the judge on XX/XX/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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am not looking for you all to do anything necessarily. I just want to vent and I don't feel like going to the bank 's headquarters would do any good because I feel the local branch 's terrible customer service is a reflection of the overall corporate attitude at this horrible company. Chase Bank is evil. It's an evil company full of evil greedy people. I don't understand how they have been able to get away with everything they've gotten away with. They're too big. The CEO makes too much money. I closed my checking and savings accounts with them a few years ago because they were nickel and diming me to death in fees while simultaneously paying their CEO some obscene SALARY ( not even including bonuses ) even though they received a bailout. And this was before I found out that they were part of the reason XXXX was able to do what he did for so long. And yet as much as I hate them, I still have credit card accounts with them because they're so XXXX huge I can't get away from them completely. The main reason I'm having to deal with them now is because my deceased brother had his checking account with them and I've been trying to close it out forever but they are making it nearly impossible. They are rude, condescending and unhelpful. I hate this bank. I wish the feds would just shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The case was closed by CFPB with zero resolve the fake opinion by Experian was accepted by CFPB with out the documents to back it up as they admit there information about a bankruptcy i didn't ask for pay for or received a day in court for remains. I did a offer in compromise with the comptroller of XXXX as they have confirmed and by the way to date i haven't received anything from experian on that matter accept it will remain on my report until next year XXXX due to a third party who can not back up there claims with facts or documents as i can! They should contract the comptrollers office and ask what took place in my case but? i guess that's to much like making things right and correct in stead of hanging your hat on some third party and blaming them for all the false info on my credit report as stated in my last comments. That is only half of what i'm trying to do today as i truly expect more long winded reasons that have nothing to do with nothing and they [ experian ] can do what ever they wish without oversight. On XX/XX/XXXX my rating took a XXXX point hit for zero reasons why? no late payment zero credit/debt contact XXXX and up date that while your at it no late payment no collections ect... i took a XXXX point drop when XXXXXXXX XXXX looked at my credit report for a possible home loan back in XXXXXXXX and i assume that's what the 2 point drop was about? and that bring up to a XXXX  point drop from experian W Y H????????????

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 2023-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XXXX account was transferred to MOHELA. I paid off a large portion of my loans to XXXX before this transfer. In hope for potential forgiveness, I then requested all payments made during the freeze to be refunded, however MOHELA has only refunded me for the amounts that I paid to them, and they have not refunded me for payments made to XXXX. They have refunded me {$4500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 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 Credit Adjusters, LLC
State: TX

Complaint narrative:
In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with National Credit Adjuster. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: DC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-20 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: TX

Complaint narrative:
XXXX, Experian and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

Experian : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$540.00} Collection XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}

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 explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I was denied credit by AVANT which is a violation to my consumer rights per 15 U.S. Code $ 1681m - Requirements on users of consumer reports which states ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ) ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am also showing incorrect employers of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the # XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PayPal made an incorrect calculation on my XX/XX/2023 statement. 
I have a credit of XXXX from XXXX and a Previous Cycle Debt Can Fee Credit of XXXX. They were not applied correctly. XXXX is XXXX. Instead, I was charged 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 2023-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had XXXX {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date that they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. 
Upon contacting WePay, they state that they will release the funds after 120 days. We are not a major corporation that can just give out 10 days worth of merchandise and get paid for it in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I had asked to have my auto ach stopped and was told i had to call the company. I called the company then was told it was too late to stop and i had to call back after the next payment posted. I called back but when you choose the option to speak about the account it always says 2 minute hold time then in two minutes a recording tells you that you will be called back. I finally got an email reply to a request i made saying i no longer authorize them to debit my account and they again replied and said i had to speak to a XXXX XXXX agent before my request would be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation