vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously made a complaint about this disputed transaction and still unhappy with the outcome. They gave me provisional credit and charged me back again. The issue is that I disputed the transaction of {$50.00} because the merchant refused a refund. I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXX XXXX. The second time around they sent me another letter saying they were charging back the provisional credit because there was still not enough information. They asked for the same information and I sent them all the information they needed through email. I am not sure why they keep refusing my dispute when my claim is valid. I am not satisfied with the service and the decision they made.

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 monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made an uninformed decision on XX/XX/XXXX, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand. This is for account XXXX. 

This CFPB complaint was submitted on XX/XX/XXXX and JP Morgan Chase still has not responded with evidence of indebtedness outside of the null avoid agreement. The only way this could be shown is through 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was no letter of written instruction produced from JP Morgan showing I gave them permission to furnish this fraud on my credit report. IT NEEDS TO BE REMOVED IMMEDIATELY.

Violations {$1000.00} per violation 1. Uninformed decision with no clear understanding 2. No evidence of indebtedness 3. No clear and conspicuous adequate notice 4. Inaccurate account close date on credit report 5. Inaccurate first date of delinquency on credit report 6. Failed 15 U.S.C. 44 {$6000.00} in violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I received a letter from XXXX XXXX XXXX, stating that my account was paid in full which satisfied the account and the account was zeroed out and closed. I have my title to my car which I received in the mail. In the letter it stated that they would notify the credit reporting agencies to update my records to reflect the account satisfied and closed. There are several reports of reports of late payments after this date. I have proof of the injury caused by this negative reporting which was uploaded with this compliant. This was a violation. By these negative reports I was discouraged from applying for other extensions of my credit.

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 2023-08-30 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: NY

Complaint narrative:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One is advertising Complimentary XXXX XXXX Benefits for cardholders https : //www.capitalone.comXXXX XXXX  I signed up for this back in XXXX. To date Capital One has charged my credit card TWICE for the subscription and has not credited me back as stated. I have called and spoke with uninformed, untrained outsourced scriptreaders who had no idea what I was talking about. I email Capital One Executives and Exec. Customer Service TWICE now and they haven't bothered to reply. I contacted Social Media and they were useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
The young lady I talked to said that I already have an account with them but I never opened one and they said the person is using my social security number all of my information Bank information everything but my name the account is under a different name and she wouldn't give me the name of the person that's on the account and it was open XX/XX/2023 and it was not me the young lady wanted me to send a picture of my ID the front and back but I wasn't comfortable with that since she said that somebody's using my name can you please check this out for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: DISCOVER BANK
State: TX

Complaint narrative:
Previously I wrote Discover card regarding account number # XXXX made Discover by writing and phone call also a consumer complaint with the XXXX XXXX XXXX XXXX The company reach out and ask some questions.I fax over an email showing I contacted XXXX regarding the unauthorized charge from XXXX car rental ... .Back in XXXX or XXXX XXXX was a charge placed on my account for over XXXX from XXXX never charged a car or authorized any payment for services.During the time the charge was made.I had lost my wallet at the XXXX store located in XXXX XXXX wasnt successful in finding my wallet.When I call customer service desk the next morning.The wallet was turned in to the customer service..The items in my wallet appeared to be all in place and I dint have no knowledge my card had been swipe.I didnt make any charges nor gave anyone permission to rent or purchase any car.I have 6 cars.There no need to rent a car.Im being held responsible and been receiving a bill over 7 months for an unauthorized charge. I feel if Discover dont want to credit my account.I would like the legal address to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX, Inquired on XX/XX/XXXX SHIFT XXXX, Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX  XXXX, Inquired on XX/XX/XXXX XXXX  XXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
They are trying to collect on a debt that i have no knowledge of and after asking for them to send me the information of said debt they have not provided me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My card was used for an unauthorized charge in the amount of {$1700.00}. Do they indicate that I accept the term, when I do not authorize them to process the payment and even so they did, I am very upset because they continue to charge me for a hotel stay that we did not go to or enjoy and to top it off I have to pay? I do understand that in extreme cases the hotel charges one night as a guarantee if I had authorized the reservation, but that was not the case and the hotel or the agencies involved and the bank are defrauding me for {$1700.00} dollars. I want an immediate resolution to this case, we are not going to continue procrastinating on this matter. I also communicated with XXXX XXXX ( XXXX XXXX  ) XXXX in these cases and helps consumers to recover their money. As soon as they finish putting together their case, we will also go on the news because with this situation I will not stay calm, I will go to the last consequences, but my money will appear. It is unfair that my bank does not agree with me when I am benefiting and consuming it, and it is also very frustrating that they delay the matter to let time pass and I can not manage the return of my money. Understand that I did not authorize paisly to charge this money there must be a recorded call including the agent XXXXXXXX XXXX XXXXXXXX accepting that it was a mistake and that they would return the money to me, but it was not like that, even if they show otherwise, of course not to lose a case they are capable of fabricating any falsehood, but the law protects me and that's what I'm doing. We will surely end up suing all the parties involved if this case is not resolved in the best way, because this is scam and fraud at the same time and I want my rights to be validated at once. Do not respond to the consumer that they need more time, simply resolve this dispute and if you are going to communicate with me, let it be entirely in XXXX. Thank you for solving this situation once and for all.

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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: MO

Complaint narrative:
On three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) BSI has delayed posting our payment to our account exceeding the grace period and incurring fees. All three times we have had our bank XXXX XXXX XXXX XXXXXXXX ) that issued the bill pay via a check on the phone with a representative from BSI to explain to them when the check was mailed and that it should not be late and should be posted ASAP. 
Miraculously it is found and posted with in two days of our bank calling. There is never an explanation as to why this occurs, but we are told they check their drop box daily. They will not provide any information as far as when it was received, only posted to our account. All of these payments have been mailed with in the time period to be received in time of the grace period. In all three incidents it has posted two weeks or more after the due date, when it was mailed 3+ weeks prior. 

XXXX  XXXX XXXX was able to utilize electronic payments to this loan servicer, but it only lasted a couple months. According to management in the Bill Pay Dept at XXXX  XXXX XXXX we were told ( on two recorded lines - BSI & XXXX  ) that XXXX XXXX XXXX no longer sends payments electronically to BSI. I asked why in a previous call and they said it is usually because XXXX finds unscrupulous business dealings or practices. 

BSI wants us to strictly use their portal for payments and we refuse. Mailing a check is the only way we are able to pay them. They have serviced our loan for close to 12 moths and 3 of those months they have lost or failed to process our payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
I contact experian 2 times about the same account not being 100 % accurate and complete. also the dispute status was not update last month. i got a email from experian saying my dispute is ready and when i open the dispute on there website they tell me to call them. i want everything through mail. i don't talk on the phone

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 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC
State: UT

Complaint narrative:
Wakefield and associates 37 calls Fraud and Harassment Violation of the telecommunications act of 2003

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: PA

Complaint narrative:
XXXX XXXX and Experian violated my rights FCRA Violations XXXX Purpose Reporting of Charge off 15 USC 1681b ( a ) ( 2 ) 2. 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX attached

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 2023-08-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: AR

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

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 2023-08-30 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: AR

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

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 2023-08-30 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief