vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
was not my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Email sent from Bank of Amercia and Merrill XXXX. Bank of America sent an email stating I had opened an online banking account. This was false. I called the number XXXX who claimed to be able to help me with my issues. I kept getting transfered with no resolve. They asked for my SS number as if they could help and this was not true. I ended up locking all my credit bureau reports. Merrill XXXX sent an email stating I had an application being reviewed. Which I did not apply for.

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 2023-11-02 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was called by " XXXX Fraud Department '' & I was forced to buy gift Cards to " protect my charge cards from unauthorized use by people who compromised my XXXX Account. They told me emphatically that there were unauthorized charges on my XXXX  account and that these people had access to everything in my phone, IP address, bank & credit card details, pictures, etc. and they could compromise my bank and credit card accounts. To protect these things and to protect me from criminal activity and possible jail, I needed to follow their instructions exactly. They told me not to tell anyone about this because they were working with the federal government to find and prosecute these people.They stayed on the phone with me and told me what steps to take all day. To buy {$500.00} gift card on Chase Amazon card as many as I could before being denied access, and to also buy as many as I could on my XXXX XXXX card. When I discovered this was a scam I refused further calls from them. I immediately called XXXX XXXX to report threatening me to buy gift cards and they reversed the charges for the 5 gift cards charged to their card. Chase Amazon card refused to reverse my {$500.00} charge even after speaking to 8 people about it, even that I had a police report, who definitely agreed that I was a victim of a financial crime. They stated that I made the face to face purchases and they could not reverse it. These people also forced me to withdraw {$4500.00} from my XXXX XXXX checking account to put into a Bitcoin " government wallet '' to protect most of my checking account money from being compromised. This complaint is about Chase refusing to reverse the {$500.00} chg. XXXX XXXX is investigating this forced {$4500.00} withdrawal to see if it can be reversed as I have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/23 i received refund from XXXX XXXX XXXX to close bank account in the amount of {$1500.00} and then another refund on XX/XX/23 from XXXXXXXX XXXX  XXXX in the amount of {$2800.00}. Because bank account was closed chase issued me a cashier check for the amount of {$2800.00} but not for {$1500.00} and they can not find any record of the refund transaction what so ever. And the merchant has confirmed the refund was clear and has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX  I applied for a mortgage with XXXX federal savings bank and was denied for a mortgage. they stated no reason only because of a credit score. there is nothing that supports denial of a consumer in a consumer credit transaction. I am fit to enter into a contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I been Permanently XXXX since XXXX, and i been trying to get these loans TOTALLY PERMANENTLY FORGIVEN since XX/XX/XXXX. 

I am XXXX XXXX, i am Permanently XXXX and the company that i been dealing with, keep saying that i have to pay {$240.00} a month, which i can not afford. I am on XXXX, and i am living on a very tight and low income. 

A few years ago i started paying on these loans at {$140.00} a month. Now they want me to pay {$240.00} a month, inwhich i can not afford. 

I sent paperwork to have these loans Totally Permanently dismissed a few times, they keep say thzt they never have received it. 

I just printed off the forms AGAIN. And i will be sending the paperwork certified mail, to make sure they get them. 

I talked on the phone and on onlins to them and they are not helping me at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: Westlake Services, LLC
State: KY

Complaint narrative:
I am owed a refund from a financial company that I had a loan through, they are refunding the money on a prepaid card that is useless where I live. I want a check or cash to use where I want when I want. this type of payment is useless to me and thus is just stealing my money that is owed to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX CA Inquired on XX/XX/2023 XXXX XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX  XXXX Inquired on XX/XX/2023 Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-11-02 00:00:00
Product: Credit 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I listed tickets to a concert on XXXX. A buyer bought the tickets. I delivered the tickets to the buyer. However, because I used a method other than the one XXXX suggested, they assumed I did not deliver the tickets, cancelled the sale and charged me a fee equal to the cost of the tickets. 

I confirmed with the buyer of the tickets that they received the tickets, attended the performance, and did not contact XXXX to have them cancel the sale. 

Since I did not fail to deliver the tickets, I should not have been charged a fee for failure to deliver the tickets. I contacted the credit card company, XXXX XXXX, to dispute the charge, but they did not respond and sent the account to collections. I have contacted the collection agency about the debt, but they only respond by sending me copies of the XXXX XXXX statement, which indicates there was a balance, but for something I should not have been charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX XXXX. The total amount of the transaction was {$190.00}. My Affirm Debit card was authorized for {$100.00} and I used my XXXX card to authorize {$92.00}. However, Affirm is trying to assert that I owe them {$190.00}. I was pressured into putting the {$190.00} on a loan agreement because they told me that if I didn't, they were going to withdraw {$190.00} from my back account. I called to dispute the amount of the transaction. I submitted a copy of the receipt from the store as well as a screenshot from my XXXX card mobile app showing that the Affirm card was only authorized for {$100.00} and my XXXX card was authorized for {$92.00}. I was told that the dispute would be resolved and I would get an email from " the appropriate department '' within XXXX to XXXX business days. When I called back after the XXXX to XXXX business days, I'm being told that I have to wait another XXXX to XXXX business days. Also, now all of a sudden they have a high volume of disputes and it may take longer than normal, but none of that was mentioned when I first filed my dispute. I'm being given the run around because they are trying to steal my money from me. I've spoken to multiple unprofessional representatives that tried to feed me lies and talk to me as if I'm stupid. When they realized that wouldn't work, they lie and say that my case has been escalated. I have given them enough time to fix the issue and they refuse to retify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
I do not recognize these inquiries. I contacted the bureaus and asked him to delete them. And they did not do it..I 'm providing a identity theft. Report that I made and it would be attached to. This. Message. So could you please take that as well as delete these fraudulent? Inquiries off of my report. Thank you

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 2023-11-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Deatrick & Spies PSC
State: KY

Complaint narrative:
In XXXX we bought an old car for {$3000.00} I think. It broke 3 days later and we told them to take it. It is now XXXX we have never been served any papers and they started guarnishing my check. The loan is XXXX XXXX XXXX and they are charging {$5100.00} and I never even received paperwork on anything. They say in XXXX they got a judgement and sold it to Kentucky this year. Can they just add {$2000.00} and trade from state to state to get payment for a car that was old when it was bought 15 years ago? I wasn't served or even received a letter to defend it. Then they told me my wife owes an account too. I know it's not legal to give out people names and debts to other people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Aspire credit card has increased my " account maintenance fee '' to {$10.00} per month without informing me. They said they emailed me updated terms. I have not received any updated terms via email or mail. Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. XXXX simply reported my dispute as : " Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells XXXX their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In XXXX I attempted to get XXXX service at my local XXXX XXXX. They were unable to complete the transaction and asked if I can come back the next day. I came back the next day and they were still unable to complete the transfer. At that time I told them to cancel the entire transaction and continued with my cell phone provider without changing service. A few months later I received a bill from XXXX with no explanation about what it was for. Since I never received service from them I did not pay it. I have been working with XXXX and the various collection agency 's that have contacted me. They still have this collection against me even though they provided no service.

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 2023-11-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP GET THEM REMOVED.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP GET THEM REMOVED.

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 2023-11-02 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief