vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my Chase Credit card a few months ago and got a replacement. 
In the last credit card statement I found a transaction ( {$140.00} on XX/XX/22 ) paid to XXXX ( XXXX XXXX XXXX XXXX XXXX ) which I never authorized or expected. 
I called Chase immediately and filed a dispute. They made a temporarycredit back to my account. When I called XXXX they said that I entered the creditcard info manually and thus can not give me a refund.Here 's what happened. Last year I used the previously lost card to pay for the XXXX service for the organization that I volunteered for. And my successor ( XXXX XXXX in XXXX, XXXX ) changed the billing method to the organization 's XXXX account. But XXXX did not accept the XXXX and instead came after me. XXXX acquired my newcredit card information ILLEGALLY and charged the auto-renewalfee to mynew credit card thatI neverprovided.Chase is saying that the company will never release the new card info to a vendor. XXXX is saying I must have changed it myself or agreed to Chase to surrender my replacement card to any vendor who requested it.Even though XXXX cancelled thesubscriptionservice on the account, the company refused to take my credit card off and threatened me that the same card will be used if the organization wants to reactivate their service. 

I think Chase gave my new credit card info to XXXX and XXXX charged the yearly fee on it.The problem is that1. None of this happened with my consent.2. XXXX still refuses that they stole my credit card info. They are insistingthat I did it manually for the organization that I haven't worked for over a year! 3. XXXX is refusing to give me a full refund,4. XXXX is threatening me to cancel my dispute claim to Chase saying otherwise they won't take my credit card off their billing system. 
I'm a school teacher simply going about my work and not having to worry about this kind of wrongful business practice. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I have a USD account with SoFi, that comes with a MasterCard branded debit card. The account comes with no foreign currency transaction fees. 

On XX/XX/2022, and XX/XX/2022, I completed 2 ATM withdrawals in XXXX  currency. XXXX  to USD rate, for Mastercard transactions, for those days, is XXXX. This is directly from the Mastercard website. 

Even though I am supposed to get no foreign currency transaction fees on my account, SoFi marked up the Mastercard rate and process the transactions at XXXX exchange rate. I would consider a rate markup, by SoFi, a foreign currency transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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:
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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-30 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: FL

Complaint narrative:
I am submitting this complaint on my behalf because Equifax has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
I am submitting this complaint on my behalf because Transunion has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).

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 2022-05-30 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Hi On XX/XX/2022 Somebody stole my phone while I driving for XXXX. 
As soon as I got my phone stolen I had an extra phone because I driving for XXXX too so I called Apple Card right away saying that I got my phone stolen You need to disable my account make sure nobody use it assistant told me I will take care of it you dont have to worry about it but in a few days I get three charge somebody use it my card purchased XXXX stuff and I called them again to dispute the decision wasnt my favorite and I dispute again with the evidence that phone record I called right after my phone stolen and I asked them play the conversation and you will understand I didnt make the charge they ignored my request and just deny my dispute again. 
Disclearly theres phone record show I called for stop my credit account And they dont want acknowledge I dont want to pay something I didnt do especially a call to make sure nobody use my phone to purchase anything and I have a responsible for the all the charge That is Ridiculous please help me out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30 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:
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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XXXX XX/XX/2022, I received a TD Bank Visa Debit Card ( XXXX XXXX in the mail via USPS. I did not apply nor do I conduct any banking with TD Bank. On XXXX XX/XX/2022, I contacted TD Bank fraud ( XXXX ) XXXX and spoke with XXXX ( fraud customer service associate ). I provided XXXX with my information and she informed me she was revoking this card reported as fraudulent. My hope was that she would also close out any bank account that was fraudulently set-up to request this TD Bank Debit XXXX, but this first needed to be reviewed by TB Bank fraud team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, # XXXX  XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2022-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Dear CFPB, I have been paying on my student loan for over 7 years. My balance does not go down it in fact continues to escalate higher. I have asked on an occasion for a full audit of my account and never received it. Last year my account balance was approximately {$47000.00}. Today, I looked online at my balance and it is now at {$49000.00}. At the this rate there is no way I will ever see this balance going down. The interest rate is approximately 6.25 % pretty high for paying back a student loan. I am paying approximately {$340.00} per month and have paid higher amounts. Having paid over {$28000.00} on a loan that had a did not have a balance higher than {$40000.00} and as of 2022 to still have a balance of {$49000.00} shows that this will never be paid as nothing is going to the principal. I do not receive paper statments which I have asked for on numerous occasions and sometimes I receive them but most times I don't. I'm completed frustrated with this process. I am a XXXX XXXX who had hoped to be clear of this debt by now but at this rate it will never happen. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX Acct XXXX XXXX, and XXXXXXXX XXXX  acct XXXX XXXX have 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.

15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-30 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I talked to Synchrony Bank at approximately XXXX today, XX/XX/2022 and spoke with XXXX and XXXX XXXX in the fraud department. 
They could not give me any information on my account because there was a hold on it to establish identity. There was an elaborate process which I went through... taking my picture and a picture of my driver 's license front and back. by way of a link but the system said my pictures were blurry and XXXX said the only way left was to mail me a letter with a code and I could call in and tell them the code. The letter would take 10 days and my account payment date is in 8 days so I would be in default. I went through this same process last month but I completed it and this time it wouldn't go through. 
My account shows a O balance but that can't be true because there are monthly charges that come through every month and I can't get access to them or see them on 'activity ' for last month. They also say I am not allowed to have any information on my account verbally because I haven't established identity.

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 2022-05-30 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: MT

Complaint narrative:
I would like to dispute these inquiries Iam unaware of them, I do not recall Makin these ... I would like them removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: MA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.C.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( 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 informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 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 report agency shall ( i ) promptly delete that item of information disputed by 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 of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX XXXXXXXX account # XXXXXXXX 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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( 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 informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 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 report agency shall ( i ) promptly delete that item of information disputed by 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 of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX  XXXX account # XXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: TX

Complaint narrative:
MY BUSINESS DEPOSITS WERE SET UP IN A PERSONAL ACCOUNT OF MY HUSBAND- WITHOUT MY SIGNATURE AUTHORITY- HE PASSED AWAY- MONEY IN THE ACCOUNT WAS DEPOSITED FROM MY BUSINESS CONTRACT AND - FRAUD REMOVAL OF MONEY LEAD ME TO FREEZE THE MONEY IN THE ACCOUNT - AS i NEEDED AN ORDER FROM probate COURT 2. XXXX XXXXe XXXX XXXX AND THE SAID DEP ADMIN- TO SURRENDER THE LETTERS- BUT THEY CLOSED THE SAID ADMINISTRATION OF THE ESTATE EARLY- AND NOW ITS 4 YEARS I HAVE GIVEN THEM DEATH RECORD OF i BEING NEXT OF KIN, MY BUSINESS INFORMATIUON AS OWNER OF THE SAID DEPOSIT- AND THE CONTRACT NAMING ME AS THE PERSON WHOM MONEY CAN BE RELEASED- DUE TO THE MORTGAGE FRAUD THE SAID COURT CLOSED THIS MATTER PREMATURELY- AND NEED ACCESS TO MY MONEYT? please HELP ME EITHER GETTING LETTERS FROM THIS COURT TO ACCESS MY MONEY OR THE BANK SURRENDERING MY MONEY DUE TO THE MERITS OF THE SAID CONTRACT i SENT THEM AND THE DEATH RECORD ECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
File for missing credit and they keep debit and credit my account before I get money .... some body took over the account from inside

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE ; YOUR RESPONSE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX The above noted personal identifiers are the only requisite I authorize, please eradicate ALL OTHERS AS PREVIOUSLY REQUESTED ON XX/XX/XXXX. BLOCK any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. 

I XXXX XXXX to Experian Consumer Reporting Service this is a request for your agency for an INDEPENDENT INVESTIGATION into each of the inquiries listed below. Your response to my first request to have UNAUTHORIZED INQUIRIES REMOVED makes no sense at all to me. ANY INFORMATION you retain, or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility. UNAUTHORIZED and or possibly FRAUDULENT certainly unproven to be compliant with mandated proof of permissible purpose Credit Inquiries by Creditors on my Consumer Reports. I am requesting compliant proven permissible purpose that allows your agency to retain, report, and share lawfully the listed inquiries. 

Each inquiry listed below is ALLEGED NOT PROVEN COMPLIANT INQUIRY OF PERMISSIBLE PURPOSE PERMANENT IMMEDIATE DELETION IS DEMANDED. I COMPEL YOU TO DEMONSTRATE THE MANDATED PYSICAL VERFIABLE PROOF SENT TO ME. I REQUEST BOTH SOFT INQUIRIES SHOULD BE INVESTIGATED AT THIS TIME ALONG WITH HARD INQUIRIES. PHYSICAL PROOF REQUIRED FROM EACH. 


HARD INQUIRIES LISTED IN MY COMPLAINT THANKS FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER EXPERIAN INQUIRIES XXXX CREDIT XXXX XXXX SALE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX SOFT INQUIRY SHOULD ALSO BE INCLUDED IN THIS INVESTIGATION SOFT INQUIRIES FOLLOW THE SAME INVESTIGATIONS I REQUEST. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) MANDATED PHYSICAL VERIFIABLE PROOF I AUTHORIZED EACH INQUIRY WHAT PROCEDURES USED TO VERIFY PROTECTING MY IDENTITY AVCD- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE AUD- PLEASE PROVIDE I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE THIS INFORMATION WITH THESE ORIGINAL CREDITORS PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF NON-COMPLIANCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

XXXX XXXX XXXX ( g ) XXXX XXXX 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 2022-05-30 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: DriveTime
State: MT

Complaint narrative:
I would like to dispute these inquiries Iam unaware of them, I do not recall MakiXXXX these ... I would like them removed off my report

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