vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened a new business checking account with US Bank  and was to get a {$500.00} bonus if I deposited {$3000.00} into the account and kept a balance of that amount for at least 60 days. 

The fine print was the following : New Customers : XXXX code XXXX MUST be used when opening the business checking account. 
Limit of XXXX business checking bonus per business. 
A {$100.00} minimum deposit is required to open a U.S. Bank XXXX, Gold, Gold with Interest or Platinum Business Checking account. 
Earn your {$500.00} business checking bonus by opening a new XXXX Bank XXXX XXXX XXXX, Gold Business Checking, Gold Business Checking with Interest or Platinum Business Checking account between XX/XX/2023 and XX/XX/2023. 
You must make new money deposit ( XXXX ) of at least {$3000.00} ( Direct, Mobile Check Deposit, XXXX or Wires ) and then maintain a balance of at least {$3000.00} through 60 days after account opening. 
The new money deposit can not be funds held by U.S. XXXXnk or its affiliates.

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 2023-05-17 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: FL

Complaint narrative:
I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : CREDIT FIRST N/A ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( CREDIT FIRST N/A ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.

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 2023-05-17 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:
I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : CREDIT FIRST N/A ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( CREDIT FIRST N/A ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Experian is reporting late payments on my credit profile without my permission. It is hurting my ability to get approved for anything and is defamation of my character.

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 2023-05-17 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: NE

Complaint narrative:
I Believe I am a victim of identity theft or mistaken identity. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. 

XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXXXXXX XXXX ; Date : XX/XX/XXXX XXXXXXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ; Date : 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 2023-05-17 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-17 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This complaint is about Chase Credit card services not honoring their written business agreement for how bonus points are calculated and transferred. 

During XX/XX/XXXX I signed up for a southwest Rapid Rewards Chase business credit card via Chase Bank which offered XXXX bonus points after reaching {$3000.00} in XXXX XXXX. 

Attachment 1 is the detailed business agreement : Please see highlighted text in business card attachment that describes how points are to computed at end of each cycle and should be transferred over to partner Southwest Rapid Rewards. Essentially it is all purchases minus refunds or returns. 

Attachment 2 : Is the formal Chase credit card statement for first month ( full account number redacted ). It clearly shows that the net spend in month of XXXX minus any adjustments and refunds was {$2800.00}. All of the transactions were completed well before the statement close date. 

As per these formal rules the system should have not transferred any bonus points in the month of XXXX. But their technical system has incorrectly transferred XXXX bonus points rendering them useless towards Southwest Companion pass - the original intent of the promotion. 

Had the points being processed and transferred correctly in the following month - XX/XX/XXXX, I would have qualified for Companion pass for two years starting in XX/XX/XXXX and valid upto XX/XX/XXXX as per the promotion. 

I opened the issue with them in XX/XX/XXXX and have had multiple email and phone calls with them. Whenever you speak with them over the phone the supervisors agree that points have not been correctly transferred e.g. the last conversation was with supervisor XXXX on XX/XX/XXXX and it lasted around 45 minutes. She took detailed notes and agreed to provide a resolution or formal response from Chase Marketing. 

I would like CFPB to help get the points correctly assiged to the right month of XX/XX/XXXX and have my Southwest companion eligibility for 24 months from the date that is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: WA

Complaint narrative:
I want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.

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 2023-05-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple Card was restricted out of the blue on Monday, XX/XX/XXXX and I contacted Goldman Sachs specialist every hour for the last 8 days and they kept saying I will hear back soon with no specific time frame in mind. All they said was that my account was under review and there was nothingt hey can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Submitted a request to remove PMI from current loan. During the information gathering process I informed loan servicer that significant updates were made and confirmed what was done and when it was done thus dropping the criteria for current evaluation to 80 % instead of 75 %. The loan servicer reached out again to confirm date of upgrade and instructed me to pay a fee of {$190.00} to start the realtor opinion process. 

When receiving my rejection letter I was informed that my updates did not qualify even though there was no mention of this when going through the process. My current evaluation made the equity reach 79 % but PMI is being refused to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited cash on the XXXX XXXX chase atm on XX/XX/XXXX. So the first time I put the whole money the amount is around XXXX to the atm and the atm couldn't recognize. So I separate the money to deposit three times. The first two times the deposit was successed but when the third time i deposit itthere 's XXXXXXXX XXXX dollar was stucked in the machine. And the atm screen shows it's technical issue and it let me to call some number. Then I went into the bank to ask help. The lady in the bank didn't go to the atm to check for me but she said her coworkers were tooking the money out behind the machine and she couldn't help we with anyting but if i call the claim department i will get my money back. So I did it and I do get a temporary credit for that amount. but then about one month after that, they took the temporary credit back and denied my claim because they didn't find any extra money. Then I filed another claim and required them to check the camera. Today I got the call, the lady of the chase claim department told me my claim was still denied. I asked her if they checked camera or not. She said she doesn't know but anyway they could not show me the video. I told her at least they need to check. She said ok. Then few hours later, the lady called me said the angle of the camera couldn't record the atm part, they couldn't see if I put money or not. I'm very angry and disappointed about that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Delete this 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 2023-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loan was consolidated without my permission by either Nelnet or XXXX in XXXX after I had paid on the loan since XXXX. I was told by XXXX that they were taking my loan over and they would put me on an income-driven repayment plan that would forgive any remaining debt in year seven after they took the plan over. I was told this was at the Department of Education 's direction, and I did not file an application or ask for this. I only found out speaking with XXXX, who says the loan was sent to them as a consolidated loan, that the loan had been consolidated. I called XXXX XXXX ( XXXX contact at XXXX ) and spoke with XXXX on XX/XX/XXXX. I was told they do not have any contract or recorded phone call to prove I made the consolidation. He recommended I file a fraud complaint with Studentaid.gov. I have made three complaints related to this loan, and they closed them all in a couple of days without investigating them. XXXX or Nelnet submitted fraudulent applications which have my typed name on them and concocted information about my address and references. No one seems to know which company did the consolidation for certain, and I can not find a lender on either of the applications, but Nelnet Loan Services is listed as the loan to consolidate, which makes no sense because the loan was consolidated at the inception, and I had paid off the separate loans so there was not more than XXXX loan to consolidate. Nelnet or XXXX committed fraud, and no one I have spoken to has helped to resolve the matter. I have also paid over $ XXXX on a $ XXXX loan and still owe over $ XXXX due to the deceitful tactics of Nelnet, who first held the loan, and XXXX, who took the loan over from them. I have attached all of the documents I have related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My loan was consolidated without my permission by either XXXX or Fedloan in XXXX after I had paid on the loan since XXXX. I was told by Fedloan that they were taking my loan over and they would put me on an income-driven repayment plan that would forgive any remaining debt in year seven after they took the plan over. I was told this was at the Department of Education 's direction, and I did not file an application or ask for this. I only found out speaking with XXXX, who says the loan was sent to them as a consolidated loan, that the loan had been consolidated. I called XXXX XXXX ( Fedloans contact at XXXX ) and spoke with XXXX on XX/XX/XXXX. I was told they do not have any contract or recorded phone call to prove I made the consolidation. He recommended I file a fraud complaint with Studentaid.gov. I have made three complaints related to this loan, and they closed them all in a couple of days without investigating them. Fedloan or XXXX submitted fraudulent applications which have my typed name on them and concocted information about my address and references. No one seems to know which company did the consolidation for certain, and I can not find a lender on either of the applications, but XXXX XXXX XXXX is listed as the loan to consolidate, which makes no sense because the loan was consolidated at the inception, and I had paid off the separate loans so there was not more than one loan to consolidate. XXXX or Fedloan committed fraud, and no one I have spoken to has helped to resolve the matter. I have also paid over $ XXXX on a $ XXXX loan and still owe over $ XXXX due to the deceitful tactics of XXXX, who first held the loan, and Fedloan, who took the loan over from them. I have attached all of the documents I have related to the loan.

Company response to consumer: Closed with explanation