vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a mailer from USAA that they were providing a complimentary dinner for cardholders in my city, and the mailer notes it is valid through XX/XX/XXXX. I tried to sign up on XX/XX/XXXX, and the link does not work and says the " reservation is closed ''. I talked to a rep and they couldn't give me any information on the program or what was going wrong. 

Lying and sending out marketing about a benefit that isn't real is unfair and deceptive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
I been sending out letters about incorrect information on my credit report. I haven't received a response back yet from them. All my documents are attached below.

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 2022-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Home Depot reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2022 they are violating FCRA guidelines. I have proof of payment as well.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, my identity was stolen. Among other things, there were attempted withdrawals from my XXXX XXXX  checking and savings accounts. There were also fraudulent charges against my XXXX and XXXX accounts. On XX/XX/XXXX, I received an email from Robinhood XXXX XXXX notifying me that there were XXXX stock purchases made in my name. Following numerous email exchanges with Robinhood fraud reporting, they have never removed those fraudulent purchases and closed the account. I am still receiving periodic market reports from them. I also received an email notification on XX/XX/XXXX indicating my XXXX Tax Documents were available. I have never had an account with that online brokerage company, but I can not get them to close the account. I have reported the identity theft to the IRS to protect me against fraudulent tax charges. I need you to pressure them to close the account. I do not even have an account number from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2022 a fraudulent charge appeared on my account. I received no notification or any warning from the bank and there were multiple charges on my account. It wasn't until my card was declined at the store and I checked my account on XX/XX/2022, where I found, that charges on my card where made by someone else. They were made outside my state of residence and in some cases made in the same day in separate states. I contacted my bank ( skylight one ) and they said it was under investigation since XX/XX/2022. They told me it would take 8-10 business days to resolve this issue. I have not received any information about the status of my claim nor had I received a replacement card. I called again today XX/XX/2022 and was told it is still under investigation and that that the funds have not been returned to the account. I had not been assigned a new card nor would they give me any contact information who I could speak to about this matter, if anything they were evasive and unhelpful. I finally demanded a new card and they said one would be delivered within three business days. I have access to no fund and have had to barrow money just to get gas to go to work since this incident occurred.

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 2022-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I over paid my primary mortgage insurance on loan # XXXX as a first time home buyer. My former last name was XXXX. I finance my mortgage loan with HSBC ( XXXX  XXXX aka XXXX  ) formally known as beneficial. Ive paid primary mortgage insurance from XXXX to XXXX. While my loan was in foreclosure with their loss mitigation dept. due to loss of income, I inquired if I could pull money out of the primary mortgage insurance escrow account. I was informed that there was no money available. It is my understanding that primary mortgage insurance should only be paid for XXXX  years instead of 11 years. Had the money been refunded I couldve use the difference to offset the bad debt. My house was significantly under appraised by a court appointed XXXX. As a result, I lost money on that transaction as well. I was cheated out of money due back to me. I would like to file a formal complaint against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and 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 2022-10-15 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: Remex, Inc.
State: FL

Complaint narrative:
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
I am being overcharged interest every month. I am being double charged. I called my card company twice and spoke to XXXX people who said that my rate is XXXX and that is fact. Deal with it. I tried explaining that my purchases were all made under INTRP1 and that I should only be charged that rate, XXXX every month. I was told no, that rate just expired. My rate is XXXX and it just changed. I said that is not correct. I am being charged 2 rates every month. My statements show 2 rates every month with charges All the purchases that I have made per my statements come under the INTRP1 plan. That rate is XXXX. 
My last purchase was made on XX/XX/27 and came under INTRP1 plan. 
In XXXX, fraud transactions were put on my card that were not mine. All the fraud transactions were put on the XXXX. I told my card that these are not my transactions and I disputed them. I did not make those transactions. My card was credited back for the transactions but now I am being billed for the XXXX rate every month since the fraud transactions. The XXXX has a variable rate. On my XXXX statement the rate for this plan was XXXX have been billed interest for this plan since XXXX, right after the fraud transactions were billed under this plan. I asked my card to stop billing me interest for the fraud transactions and I was told that is not what is happening. My rate is XXXX. Again, I said that is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
my XXXX  XXXX account is not update on my credit reports it hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX/XXXX/2022, I called Citi XXXX XXXX XXXX XXXX XXXX Customer Service at XXXX. I did not want to pay {$99.00} for the next year membership and wanted to cancel my card account. A customer service representative told me if I pay the {$99.00} membership fee and spending {$1000.00} in 3 months, I can get XXXX mileage reward points of XXXX XXXX. I believed what he said and paid {$99.00} membership fee on XXXX/XXXX/2022. 

I spent more than {$1000.00} in 3 months since XXXX/XXXX/2022. On XXXX/XXXX/2022, I called the card Customer Service about my reward mileage points. I was total the reward mileage points are NOT XXXX. I can only get XXXX mileage points instead. I believe that the Citi XXXX XXXX XXXX XXXX XXXX Customer Service cheated me. This is business fraud!

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 2022-10-15 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: TX

Complaint narrative:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

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 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
President Biden has out a pause on student loan payments and Navient has continue even thought I have notified them several time to charge me and charge late fees and interest to my account. They act like they are above all other student loan companies. They have ruined my credit by reporting late payments which they should not be doing so since this is on pause. 

Today, the U.S. Department of Education ( Department ) announced a final extension of the pause on student loan repayment, interest, and collections through XX/XX/XXXX. Borrowers should plan to resume payments in XX/XX/XXXX. While the economy continues to improve, COVID cases remain at an elevated level, and the President has made clear that pandemic-related relief should be phased out responsibly so that people do not suffer unnecessary financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted My XXXX XXXXredit card customer service ( XXXX  is owned by Continental Finance ) to dispute a charge from XXXX XXXX, XXXX from XXXX for {$24.00}. I informed the agent this charge was not authorized. XXXX charged me for a membership which I cancelled timely, before the deadline and have an email notification to confirm this. Incredibly the agent would not file the dispute. I also complained about a {$40.00} late fee, that I was 2 days late on payment. {$40.00} late fee.. WOW! I explained to the agent I was not making anymore payments if I am not allowed to dispute a charge.

The Agent sai
d she would transfer me to a manager,
but instead placed my on a very long hold, over 36 minutes before I finally hung up.

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 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
on XXXX XXXX XXXX i have reach out to Portfolio Recovery Associate in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX  that doesnt belong to me due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone impersonated me and stole my information and opened up a credit card in my name with JPMCB ( CHASE ) resulting in a {$4400.00} debt and credit damage. Numerous people stayed and still stay in my house since XXXX.When I wasn't home or around they all had/have access to my mail box and personal living space inside of my house which contained all my personal information. 
At No Time has Chase ever spoke to me because I've never called you on no date, for any reason concerning any XXXX account ending with the numbers XXXX. 
Also The phone that contained the number XXXX XXXX XXXX was lost or stolen several different times since XXXX, and also was not my primary number. 
I have multiple debit cards reported lost and/or stolen since XXXX and have not always been aware of all the transactions made with them or on them. 
For all of the reasons above, and the additional fact that I do not owe this debt due to Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: TX

Complaint narrative:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

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 2022-10-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : 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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines

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