vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I have XXXX Fraudulent dispute on my credit report, which I have no reckalition of, they are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT. I NEED A REPORT SO I CAN GET THEM REMOVED OFF MY CREDIT..

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 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Credit and Collections Inc.
State: GA

Complaint narrative:
THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH UNITED CR CO. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR UNITED CR CO TP STOP AND DESIST ALL COMMUNICATIONS WITH THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX continues to allow debt collection agencies to post a collection on my report for the same debt over and over -- a debt that is not mine but belonged to my deceased brother. 

I have contacted them several times, but they refuse to remove my dead brother 's name as a " also known as. '' This is the third time I have had to fight this, and every time they allow a collection my credit score is drastically impacted.

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 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Grant Mercantile Agency
State: IL

Complaint narrative:
Company refused to send information stating that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: FL

Complaint narrative:
On XX/XX/2023, I leased an Audi XXXX from the Collection and made an initial payment regarding the lease, which included my contact information both mailing address, email and telephone. I reached out to Audi Financial Services multiple times because the website did not work and would not allow me to make any additional lease payments. I finally called and made a payment manually and asked them to set-up auto pay since I could not log-in to the portal. I never received another email or mail with any additional bills and still could not access the Audi Financial Services portal while outside of the country. Upon my return, I realized they had not set-up autopay and had reported lack of payment to a credit reporting agency ; however, I had never received a bill to pay nor could I log-in to the portal to see there were payment not being made. I immediately paid the bill and sent in an auto-pay form for future payments. On XX/XX/2023, I provided these facts to Audi Financial Services and told them to remedy the consumer report regarding XXXX payment being more than 30 days past due given I had never received any bills and had not ability to monitor or pay the bills given their website malfunction. They refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase doesnt want to approve my claims dispute I submitted for unauthorized transactions. But because it was made from my device they dont care! They dont care that I was scammed! They never asked if I was scammed! All they stated I made those transactions and they cant reopen the claim again. Its a done deal! 
Well I got scammed by a person that was to be an investor! I came across a video from a family member, I had seen they made a video of investment with this person named XXXX XXXX on XXXX. So, I clicked on the video and saw that my niece had invested XXXX $ and got back XXXX and I was like wow, look at all these people investing and tripping their money. So many videos people recommending this person. I inbox them how did whole thing worked and to make sure Im not falling for a scam. She told me dont worry everything is done with XXXX XXXX XXXX XXXX. I was like oh seem legit. So she had this offer if you invested XXXX $ usd ) you would get paid XXXX usd ) & in their system it would triple to like XXXX ) but in order to start I had to sent her money. XXXX XXXX didnt work. Only XXXX thru bank worked, so I sent out XXXX $ to someone named XXXX  and she made and it went thru she stated that was another employee their in the office its was 2 females on the phone. & 1 male I was transferred the whole time. Seemed so legit. Then I was put on hold for like 35 minutes and was sent transaction at 78 % and then I was transferred to a male person. Which I was on the phone for a long time over 3 hours! He then told me I need to pay XXXX was the final fee and it was for all clients and that it was an IRS FEE & the other XXXX $ was a government Fee Mandatory for all clients! Then I was like well the banks are closed I cant right now, so I made XXXX payments cause they stated i can do that. At the end they wanted to scam me with more money to cancel! Not only was scammed but 2 other family members did as well! I was the XXXX that investment more! Cause I was stupidest one from all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to allow debt collection agencies to post a collection on my report for the same debt over and over -- a debt that is not mine but belonged to my deceased brother. 

I have contacted them several times, but they refuse to remove my dead brother 's name as a " also known as. '' This is the third time I have had to fight this, and every time they allow a collection my credit score is drastically impacted.

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 2023-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$150.00} Amex e-gift card on XX/XX/2023. According to Amex, the card is accepted at ALL online retailers who accept Amex as long as the expiration date and security code is provided. I have tried using my gift card online at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All transactions were declined due to security issues although when I check the balance on the card it is {$150.00}. The purchases I tried to make were well under {$150.00}. I called Amex several times and was told misleading information, ie. that I should upload the gift card to my XXXX XXXX XXXX  and i could make purchases from there ( did not work ) ; that i could use the card to pay off my regular Amex account balance ( not true ) ; that I should try to make a purchase at another retailer ( I've tried MANY MANY retailers and spent hours online shopping only to have the purchases declined over and over! ). Furthermore, I see that many many other customers have the same complaint, that the Amex cards are useless. I am now stuck with a {$150.00} virtual card that is worthless, and Amex has run off with the money! I even tried using the gift card in the online app for my building 's laundromat! Even THAT got declined!!!!!! Amex gift card representatives are no help, they read off a script and consistently say " try it at another retailer. '' How many retailers am I supposed to try??????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Subject : XXXX XXXX US Bank Regarding Withheld Funds To Whom It May Concern, I am writing to file a formal complaint against US Bank for an ongoing issue concerning withheld funds in my account. My name is XXXX XXXX, and the account in question is with US Bank, account number ending in XXXX. 

On XX/XX/2023, I noticed that an amount of {$2000.00} was put on hold in my account without a clear explanation. Despite my attempts to resolve this matter directly with US Bank, the funds have not been released, causing me significant financial inconvenience. 

I have been a customer with US Bank for years, and this unexpected hold on my funds has not only disrupted my financial planning but also caused undue stress and hardship. I have contacted US Bank customer service multiple times since the incident, seeking clarification and a resolution. However, their response has been unsatisfactory, and the issue remains unresolved. 

I am requesting the CFPB 's assistance in this matter to : Request the bank give my money back because it belongs to me Facilitate the prompt release of my funds. 
Ensure such incidents do not recur, providing a clear explanation to prevent future misunderstandings. 

Please request the US Bank and any transaction details that might assist in your investigation. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Unauthorized Hard Inquires on my reports : on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting 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 notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is Experian who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and XXXX never responded.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized Hard Inquires on my reports : on XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on Transunion : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Unauthorized Hard Inquires on my reports : on XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Why are you guys showing two different payment histories if info is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Why are you guys showing two different payment histories if info is 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 explanation
Consumer complaint received 2023-12-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX and someone stole or somehow got my card in some drive thru or something and sent themselves {$500.00} through XXXX XXXX on my wells fargo account without my permission

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applie And was approvec For a chase freedom credit card after several month of usage I went into the branch for an update to my acco And was advised the account would be closed. When I inquired I was told I would be sent a letter. This conversation happens in late XXXX. On XX/XX/XXXX the account was closed, and I never received any letter notifying me of the closure. I called chase again to inquire on how the payment terms, closure reason, and XXXX reporting practices on XX/XX/XXXX and was not provided the latter XXXX. I do believe this is a horrible and fraudulent business practice. Not only do I now have a credit inquiry but also XXXX be subject to a derogatory mark due to chase closing the account without reason. I am aware they can do so, but they did not provide a reason or opportunity for an appeal. This practice seems to be negligent to the consumers who use their services and trust they will not have the rug pulled from under them for no reason once so ever. Just because of an algorithm that should have ran prior to approving me to said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
XXXX my house burned down and my insurance issued a joint check to my mortgage holder, Selene Finance XXXX 

Throughout the process of requesting funds to complete repairs, the loss draft department has slow walked requests for funding repairs and it has resulted in delays so long I have had to use my own funds to repair my house before the rain. They have held up funds for my cabinets so I had to buy them from my own funds. My insurance loss of use coverage for my rent while I am displaced is expiring the first week of XXXX and the people in the loss draft department want to lecture me on their long delay process to get my funds to rebuild. It took them 2 months to send me a check for my cabinets then it was not accepted by the vendor so I made a second request and they are still holding the funds telling me their corporate department can take their time approving the release of funds which has now been 14 days. They are trying to push me into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY

Company response to consumer: Closed with explanation