vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
There are XXXX student loans reporting On XXXX and Experian fraudulently and I need them taken off

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 2022-07-20 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
ON XX/XX/2022 A CHARGE OF XXXX APPEARED ON MY CREDIT CARD ENDING IN XXXX THRU TD BANK XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  IN XXXX XXXX XXXX MILES AWAY. SINCE I WAS NEVER THERE AND SPENT THE ENTIER DAY AND NIGHT IN XXXX WITH FRIENDS AND MY WIFE I REPORTED THE CHARGE TO TD BANK AND ALSO POINTED OUT TO THEM THAT I HAD USED MY DEBIT CARD 4 TIMES FROM XXXX TO XXXX PM IN STORES IN XXXX AND NEVER LEFT TOWN. PLUS THE CARD IN QUESTION WAS IN MY WALLET THE WHOLE TIME AND THE ONLY TIME I USED IT WAS VALINTINES NIGHT. THEY REMOVED THE CHARGE AND THEN PUT THE CHARGE BACK ON 2 WEEKS LATER STAITING THAT THEY HAD A LOT OF EVIDENCE THAT I WAS THERE. THRU THE TD BANK MANAGER WE REQUESTED TO SEE THE EVIDENCE AND THEY SAID WE WOULD HAVE IT IN 10 DAYS. I HAVE BACK TO THE BANK EVERY 3 WEEKS SINCE AND THE CREDIT CARD COMPANY CONTINUES TO SAY THEY HAVE THE EVIDENCE AND WILL SEND IT IN 10 DAYS. THIS HAS GONE ON FOR6 MONTHS. I HAVE NEVER BEEN TO XXXX  IN XXXX. NO EVIDENCE HAS BEEN GIVEN

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: ME

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion inquiries : XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date 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 2022-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
My mother has a VA Loan. During the pandemic she filed for a forbearance under the Cares Act. We were told that there were plenty of work out options. We were told Rocket would work with us. Nothing has been further from the truth. With less than 30 days until her forbearance ends- they have not sought any work out options. They have only demanded a lump sum payment. This is a violation of the Cares Act and two VA Circular Notifications. XXXX XXXX XXXXXXXX XXXX XXXX XXXX As well as the partial claim program : XXXX XXXX XXXXXXXX. On XX/XX/XXXX - XXXX was told by a gentleman on the Accounts Resolution team we needed to pay the lump sum. I inquired after receiving a certified letter in the mail on XX/XX/XXXX. The gentleman was not aware of any of these regulations and stated he was not a lawyer. This was stated after asking about the two VA Circulars. Why Federal Law did not supersede any arrangement they say my mother agreed to ( which she did not agree to a lump sum payment ) She did not! 

On XX/XX/XXXX - we were told that our forebears be wasnt under the Cares Covid Act and fell under hardship. The cares act states direct or indirectly affected. My mother could not get a part time position with everything closed in our small town. She was also an at- risk patient at that time. To this date Rocket has not offered a partial claim - even though we qualify under VA guidance and Cares Act. Each time I call- they also try to state I am not qualified to speak on the loan when I am - intentionally making it difficult to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX 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 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
The following is the summary of my dispute with XXXX XXXX for the total amount of {$910.00}, a purchase I never authorized, on my Chase Sapphire XXXX. 

On XX/XX/2022 I researched flights to XXXX and decided to purchase a 7 Day FareLock a flight to XXXX, XXXX for {$8.00}, which was initially billed on Chase Sapphire Visa Card @ XXXX AM. 

The 7 Day XXXX allowed me to reserve the stated ticket price and determine which flight to purchase within XXXX ( XXXX ) days or the XXXX would expire and I would lose the ticket with no further amount charged than the XXXX price. 

This expiration was an option I deliberately selected at checkout so that I WOULD NOT be automatically charged at the end of that 7 day period but the flight would simply expire. 

On XX/XX/XXXX, I discovered that XXXX XXXX had, on XX/XX/2022 @ XXXX, automatically booked, ticketed, and charged me for Flight 1 to XXXX, XXXX for {$910.00}, ( {$870.00} for the ticket, and {$41.00} for a seat selection ) a clear and obvious error in their computer system. 

This was not buyer 's remorse. I DID NOT AUTHORIZE THIS PURCHASE. 

My email receipt clearly shows I only purchased a " XXXX '' and clearly shows that there was an error in the expiration date for the XXXX. 

On XX/XX/XXXX, I promptly called XXXX XXXX to make them aware of this error and they refused to refund my money, only offering me a credit for a future flight, even though I did not agree to purchase any flight in the first place. 

As evidence I have the Email confirmation of my XXXX purchase for {$8.00} on the Chase Sapphire Card. 

In this email you can see : a. You can see the reservation expires data is incorrect, that the 7 Day XXXX expired at XXXX on XX/XX/XXXX and not XXXX on XX/XX/XXXX so not 7 days after purchase. 

b. You can see the email confirmation provides the option to purchase the ticket and not that it would be automatically purchased an option I deliberately selected. 

c. The Email explicitly states that only {$8.00} was charged to my Chase Sapphire Card , which was the only amount that I was paying. Further, XXXX has even admitted the ticket that was billed to me did not even have any passenger information included -- further evidence that I never purchased any ticket but was simply billed erroneously for it. 

Thank you for your prompt attention to this matter and helping me to rectify this error. As of writing this, XXXX XXXX refuses to reimburse me for this money, nor will Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: OH

Complaint narrative:
I called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.

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 2022-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Ave Student Loan Servicing, LLC
State: MI

Complaint narrative:
I am a co-signer on my son 's student loans that he has with XXXX  XXXX XXXX XXXX. He graduated in XXXX of XXXX and his payments will convert to principal and interest payments next month ( XX/XX/XXXX ). I received a billing statement dated XX/XX/XXXX with a total amount due of {$250.00} for one of his loans. The payment for XXXX should be {$98.00}, not {$250.00}. I called XXXX XXXX on XX/XX/XXXX and spoke with customer service rep XXXX. She stated that they had an error in their system and sent out incorrect billing statements to their borrowers. She stated that the statement I received showed the payment due for XXXX AND XXXX but that I only needed to pay {$98.00} for XXXXXXXX XXXX payment. I asked her if they would be sending out a corrected statement because I was not comfortable shorting the payment due that was on my statement with concerns it might affect my credit. She said that XXXX XXXX would not be sending out corrected billing statements and that is how they are dealing with everyone that received an incorrect statement. She stated that I was incorrectly billed for 57 billing days instead of 30 billing days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. And, still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company name : PayPal Mastercard account My rewards cash back are missing. The last time I did redeemed was on XX/XX/XXXX with the amount of {$10.00}. Since then I couldnt able to redeem it. The company owes my rewards from XX/XX/XXXX to XX/XX/XXXX. 
Every time I am trying to redeem the cash rewards I got a error message redemption failure and it took away my cash rewards and it never applied to my PayPal wallets.The company owes me more than {$100.00} cash rewards and I want as a check for that rewards. Because I m not able to redeem it.

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 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from TransUnion, and have one creditor leave a hard inquiry on my XXXX report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called TransUnion to report and to get the issue resolved. As the result TransUnion added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. XXXX on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Before the pandemic, I had most of my payment options for my bills on Autopay. Some through my Bank and some arranged with the Creditor. Due to less income during the pandemic, I needed to keep closer track of my cash flow, so I undid most of my Autopay options. 
This led to an oversight in XXXX, I was overdue on a {$31.00} minimum payment, Charged {$29.00} Late fee, {$89.00} was the next minimum payment due. Why the {$60.00} minimum payment difference? 
I had the same thing happen on a XXXX card, and they didn't explain why the difference. With this Synchrony Sam 's Club card, I tried the online chat, but got their Artificial Representative. 
During this same XXXX statement my balance was lowered from {$1400.00} to {$1100.00}, leaving not enough for some new fees and my Sam 's Club membership which went up in price. I don't even usually charge this to my Sam 's Club card, but that's something different. 
Now I'm Overlimit, my interest rate also went up and they Call every single day. Interest rates on Credit Cards is out of control for normal people who have a recurring balance.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had several credit cards closed by issuers within the last 3 months. 
Ive had one business Capitol one card closed shortly after being granted and two secured cards cut off by Capitol one which were personal and none of the cards had late payments or any other problems. Yesterday my XXXX XXXX was closed and am being told due to regulatory reasons it was justified. 
Somehow I am being blacklisted by commercial banks but my credit union cards have not been bothered. I need to know whats going on and why are these cards being closed by issuers even when I have no Late payments or balances on any of the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I am reporting this complaint for my mother XXXX XXXX. XXXX is XXXX XXXX XXXX and lives in her own home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In late XX/XX/XXXX thru XX/XX/XXXX she was contacted many times my XXXX XXXX. They contacted her to try to sell her a money making internet business. She was told she would make hundreds of dollars a day. XXXX has a computer, and has learned to look at her e mail, but has not learned any other computer skills. XXXX XXXX told her it was not necessary, that she could pay them $ XXXX and they would help her get money deposited directly to her bank account. XXXX is on social security and has a reverse mortgage on her home. They referred her to Pentagon Federal Credit Union for a loan that they gave her over the phone with an e mailed electronic signature. She send me all the documents that she had on her XXXX mails and I can find no loan documents. She paid XXXX XXXX {$5.00} k on XX/XX/XXXX from her debit account. Pentagon Federal Credit Union deposited $ XXXX into her debit account at XXXX XXXX XXXX on XX/XX/XXXX, she then wrote a check from that to XXXX XXXX XXXX on XX/XX/XXXX. 
I contacted XXXX XXXX for and refund and was denied. I will continue to try to get that back. I have reported to FBI, BBB, & FTC, and am reaching out to all agencies that might be able to help. 
I disagree with PENFED for loaning this amount over the phone to an elderly woman without asking any questions. I do not know how she will pay them back.

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 2022-07-20 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:
So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights

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 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance XXXXXXXX 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