vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XXXX i had FRAUD Charges on my Wells Fargo Debit card totaling over $ 3500+. 

I dont use or have a XXXX  account, i went online and disputed with my bank these unauthorized charges. 

I tried getting in contact with XXXX  by Phone but kept getting a busy line, the bank closed my FRAUD Claim. i dont understand why, i thought i was protected during these types of situations where someone steals my debit card info and spends my money.

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 2022-02-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's XXXX XXXX had excellent points/rewards. I had saved my points fo over 3 years amounting to over {$500.00} dollars in points/rewards. They changed the card to Barclay 's XXXX and my points are gone. I have called multiple times and I am told they will come back but it has been 4 months and I keep receiving the same response. This is a clear violation of terms and conditions and they seem to have complete disregard.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Company is guilty of discriminatory and predatory behavior towards me. They have violated federal laws and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.

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 2022-02-02 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: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and Experian to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.

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 2022-02-02 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: Army and Air Force Exchange Service
State: AL

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX OF XXXX, XXXX, and MILITARY STAR are accounts opened by someone who stole my 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 2022-02-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Summary : This is a complaint about the American Express golden card. I complain about two following things - 1 ) I didn't get the welcome bonus from American Express even though I already spend the required amount of money in the required timeframe ( {$4000.00} in 6 months ). This is a very severe problem that the bank record is not aligned with my personal spending record and they are not willing to share further detail. 

Here are the details : - The account started on XX/XX/XXXX. Based on the welcome bonus, if I spend {$4000.00} in 6 months, I am qualified to get XXXX points. 
- I tracked my spending ( see attachment ) and it clearly shows that I spent more than {$4000.00} from XX/XX/XXXX to XXXX, XXXX XXXX. 
- I also talked to customer service people 3 times. Each time they mentioned that they can also see I spent more than {$4000.00} on their end. However, the final decision is made by the " complaint team ''. Based on the investigation from the complaint team, I am not qualified, without any further reason. 

2 ) Bad service : I tried to resolve through customer service 3 times, each time the customer service people can see I spent more than {$4000.00}. But the investigation result from the " complaint team '' still tells me I'm not qualified. 
Also, on the last complaint, I filed on XX/XX/XXXX. They said the manager will call me back with a final response within 48 hours. After one full week until XX/XX/XXXX, I didn't hear back from anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX and this is my 4 attempt to obtain my consumer file and report from EXPERIAN. I have uploaded a screenshot of this last attempt. I am using the CFPB in hopes of obtaining my consumer fie and report from EXPERIAN.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hard inquiry dates XX/XX/2020 still appears on credit report more than 2 years after the inquiry.

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 2022-02-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I XXXX XXXX have pulled a recent credit report on my self and noticed under personal information on my credit report it is saying : This address has pertained to a business : XXXX XXXX SOUTH XXXX XXXX XXXX CO XXXX as well as FINANCE-INSUR.-REAL EST. XXXX. : XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX I have no connection with this information reported under my name, I have contacted one of the credit bureaus Experian to try to dispute this innacurate reporting and they informed me there is nothing they can do an no information on why it is there and where its coming from. I have not lived at any address connected to XXXX XXXX XXXXh XXXX XXXX since prior to XX/XX/2019 my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I have attached my credit report from experian showing my personal information, I have also uploaded my ID and proof of address for verification purposes.

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I sent a certified cease and desist letter with receipt to midland credit management on XX/XX/2022 and it was received on and signed for on XX/XX/2022. Midland credit management fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( XXXX ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Midland credit management is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/22, I sent a letter regarding inaccurate things on my credit report til this day over 30 days later. I have not received a response yet. I think I am being ignored on my disputes by my auto loan company. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 30 days so they should be deleted promptly. I demand these late payments be updated or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, my social security card, and original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Over the past few months, Synchrony Bank has been slowly dismantling my credit accounts with them. Theyve taken away my home repairs account and most recently my discount tire account. My standing with this institution has been perfect. Always on time payments including large payoffs and yet they turn around and cut off two of my most important cards for my families home and our vehicles. Shame on this pathetic excuse for a bank. Obviously they do not look out for people. I know Ill get some canned response from them but frankly I dont want it. Its disgraceful what theyve done, cutting off two important lifelines. I simply can not say enough how upset I am with this lowly so called financial institution. Stay away from Synchrony bank!

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 2022-02-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-02 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have tried on two separate occasions to redeem credit card rewards from my Chase credit card. The first time was in XXXX, I tried to purchase a flight using Chase XXXX XXXX  website, but received an error. I tried to call in and sat on the phone for over an hour trying to get someone to help me, and they couldn't explain why I received the error on their website. They thought it was just a problem with the website being down. 

Now, on XX/XX/XXXX I tried again to redeem a flight using my reward and received the same error I received in XXXX. I called to speak to someone on the phone. I was on the phone for over an hour, with them telling me they were receiving an error on their system multiple times, and eventually escalating to a supervisor. It ultimately took me almost 1 hour and 30 minutes. 

Chase advertises that if you redeem rewards for travel on their rewards site you get 5 % back on those rewards purchases. However, they have made it nearly impossible for me to do this on multiple occasions. What I have done to avoid this is just use that credit card to book a flight on my own, through the airline, and then just redeems rewards for cash back on my credit card, but missing out on their advertised 5 % cash back since I did not book through their XXXXXXXX XXXX website. I upgraded my card last year, to this card with a {$95.00} fee as they advertised their 5 % cash back offer on travel booked through their website. I have yet to be able to successfully and efficiently do this. This feels like a deceptive practice of falsely advertising a service that is nearly impossible for me to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: GA

Complaint narrative:
I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking Equifax, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: AL

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). ST OF MD-XXXX, XXXX, and XXXX XXXX are accounts opened by someone who stole my 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 non-monetary relief