vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The XXXX XXXX for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

XXXX XXXX XXXX for the vehicle was sent to XXXX when XXXX XXXX receive and cashed their check in XXXX of this year. They would not have sent XXXX XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

XXXX XXXX XXXX for the vehicle was sent to XXXX when XXXX XXXX receive and cashed their check in XXXX of this year. They would not have sent XXXX XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Experian about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/2023, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Experian didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Experian is reporting the fraudelent account. Due to Experian 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had experian blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this XXXX account. I am seeking civil litigation against experian and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was promised a new XXXX card to replace old card, which had been possibly used fraudulently. 
Talked to XXXXsBank XX/XX/XXXX. Assured delivery next day through XXXX. 
XXXX also provided delivery notice. 
No card. 
XXXX then notified me of delivery XX/XX/XXXX. XXXX. Same happened XXXX XXXX, and no card today. 
I was prevented from filing a claim with XXXX because they are awaiting delivery status. 
They said to contact sender, or US Bank. 
I called US bank customer service on the XXXX, being advised by XXXX that tracking was incorrect. 
I was insulted by XXXX in customer service. She said she couldnt and wouldnt go anything. She claims she is a supervisor. 
I have signed up for a call today from the bank, but I am being stood up, despite three confirmations from the bank. I can provide a confirmation # if desired. 
I want US Bank to get my new XXXX card to me. Alternatively, I will close all four accounts with the bank and transfer to another bank. 
I want them to cancel the card being supposedly shipped and issue a new card immediately. 
This has been 9 days! No one is responding! 
This bank is absolutely terrible in customer service. 
I intend to file a more egregious complaint with the Attorney General for fraud in advertising and the difficulty I had setting up a CD. It was appalling and was never corrected. 
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 2023-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received a garnishment summons from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems , LLC and my earnings have started to be garnish, I'm not able to pay my rent due to this. This company purchased this debt which was written off on XX/XX/2011 by the retailer, XXXX XXXX XXXX amount of {$1700.00} and now this company wants me to pay {$2400.00} ( it includes {$1700.00} + {$500.00} Interest + {$58.00} Judgement Cost + {$76.00} Garnishment Cost ). I don't owe this company anything because I haven't done any type of business with them. Please help me because I'm in my XXXX 's and the amount that my employer is taking out of my paycheck makes it impossible to pay rent, utilities, and food. Companies like this should not be allowed to keep on hurting people who can not afford to pay for something that was closed over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We were contacted by a Citizens Bank XXXXXXXX XXXX ( where we do our private banking ) in the Spring of 2023 about the benefits of rolling an open HELOC into a mortgage on a property that is held in an irrevocable trust. I am the Trustee and Beneficiary of this Trust. I was adamant that we did not want to pursue a mortgage, as the Trust needed to remain intact. The Loan officer badgered me repeatedly and then contacted my husband- who is listed on our personal joint bank accounts ( NOT on the Trust accounts ) and badgered him about the Mortgage benefits claiming repeatedly that processing a Mortgage on the Trust property would not impact the Trust. In XX/XX/2023, he wrote " Your second concern is that the HELOC is held in an irrevocable trust. There is no effect at all to the trust or the taxes by doing this transaction. HELOCS and mortgages are treated the exact same way. Your title will remain the same and your tax write off will remain the same. '' He repeatedly noted that " he does this all the time, '' and then convinced us to pursue a Mortgage. We spent time and money going through the Mortgage application process, only to discover in XX/XX/2023 that the house would have to be taken out of the Trust in order to open the Mortgage, thereby breaking the Trust. At this point, I contacted our Family lawyer who explained that there was no way to take out a mortgage on this property in the state of Massachusetts without removing the property from the Trust. The Loan Officer lied to us, repeatedly. We halted the mortgage process immediately. At that point, we had already paid for an appraisal ( which we cancelled but still had to foot the bill for ) and then the cost of consultation with our family lawyer, who bills $ XXXX. We made financial decisions to consolidate other debt into the HELOC to roll into the Mortgage. We made these decisions based on the consistent and repeated advice of this Loan Officer for XXXX XXXX, an institution that we trusted. Since this incident, no one has apologized from the bank for wasting our time or the c. {$1000.00} we have spent on this process. 

This was the Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Office XXXX Cell XXXX Fax XXXX citizensbank.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WV

Complaint narrative:
i filed a dispute about XX/XX/23 spectrum for XXXX and XX/XX/23 for XXXX spectrum and XX/XX/23 XXXX to some company called XXXX and XX/XX/23 for XXXX XXXX i did not authorize nor did i make these charges. filed a dispute with chime, they denied my dispute this is ridiculous. i did not make or authorize these charges, please help me get my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is in Reference to the following : XXXX XXXX XXXX XXXX XXXX in Transunion XXXX XXXX Confirmation Number : XXXX XXXX. Case Number : XXXX Although my previous filed complaints with Transunion and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file.

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.

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 2023-11-24 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: PA

Complaint narrative:
There are XXXX credit cards that are reporting to my credit profile with balances of {$8100.00} this account is being reported as closed. the second account was reported closed with a balance of {$8100.00}. the third and final account balance is reported as {$7900.00} and this account is closed. I have reached out for this accounts to be closed and removed from my credit profile as they are inaccurate and this is affecting my credit rating with these fraud accounts being reported I reacher out on XX/XX/2023. the company closed the accounts but did not delete them and refuses to delete them this is against the law no inaccurate information may be on my credit report. My email address is XXXX and my number is 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 2023-11-24 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: PA

Complaint narrative:
There are XXXX credit cards that are reporting to my credit profile with balances of {$8100.00} this account is being reported as closed. the second account was reported closed with a balance of {$8100.00}. the third and final account balance is reported as {$7900.00} and this account is closed. I have reached out for this accounts to be closed and removed from my credit profile as they are inaccurate and this is affecting my credit rating with these fraud accounts being reported I reacher out on XX/XX/2023. the company closed the accounts but did not delete them and refuses to delete them this is against the law no inaccurate information may be on my credit report. My email address is XXXX and my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a netSpend prepaid debit card that was given to me as a gift. I tried accessing the balance through their website and via phone. The website returned with an error. The representative on the phone told me she could not pull up the account details and advised me to send a text to XXXX. I sent a text to that XXXX and it said to register the card online. The expiration date is XXXX  but my understanding in CA is that they can not expire.

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hey I have disputed 5 transactions on my account that has been unauthorized. I have place a dispute the merchant chime but they refused to give me any funds regarding my account can someone please help me. I would like my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding what I believe to be an unjust late payment fee and the inadequate customer service I experienced. The details of my complaint are outlined below : 1. Statement Balance and Refund : The statement balance of my Bank of America credit card for XXXX was {$390.00}. Subsequently, I returned products purchased during the month of XXXX, resulting in a total refund of {$510.00}. As the total refund exceeded the statement balance, I did not make any additional payment to the credit card for that month.

2. Bank of America 's Awareness of Refund : Despite being aware of the substantial refund posted to my account, Bank of America continued to allow me to use the credit card for future purchases. Typically, credit card companies decline further charges if the minimum payment is not made on time. 
3. Unjust Late Payment Fee : Bank of America charged a {$25.00} late payment fee on my credit card, even though the total refund exceeded the previous month 's statement balance. This fee is unjust and inconsistent with the industry 's standard practice. 
4. Inadequate Customer Service : When I attempted to address the late payment fee by calling Bank of America, the automatic phone system did not provide an option to discuss late fees and would not connect me to a representative. Instead, the system abruptly hung up on me, leaving me frustrated and without resolution. 
5. Resolution Attempt through Online Chat : I had to resort to using the online Chat function to contact a Bank of America customer representative named XXXX. While XXXX promptly refunded the late payment fee, Bank of America continues to display a " past due status '' on my account, despite the statement clearly indicating that " payment and other credit '' exceeded the total balance of the previous statement.

6. Payment Not Posted Despite Deduction : Following the " past due status '' on my account, I made a {$50.00} payment as requested. However, despite the deduction of {$50.00} from my bank account, Bank of America has not posted the payment on my credit card account.

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 2023-11-24 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: CA

Complaint narrative:
On XX/XX/, my credit was used to purchase almost {$900.00} at three different stores ( XXXX, XXXX, and Macys ) despite the card remaining in my possession. I saw the charges on XX/XX/, and immediately contacted the credit card company to report the charges as fraudulent and they reversed the charges while they investigated. 

They also canceled my card and sent me a new one. 

On XX/XX/XXXX, I received a notice online after signing into my account to check to make sure that the replacement card they sent me had not also been fraudulently used. This is when I realized they notified me online ( instead of through the mail as requested, and how I receive my statements ) that they deemed I benefited from the fraudulent purchases, and therefore, the charges were legitimate and added back to my credit card bill. Apparently, they had the findings almost a week before I happened to check in! 

I immediately called them on XX/XX/, and told them that I wanted a detailed copy documenting their findings and supporting their determination because not only have I never been to 2 of the 3 stores the charges were made at, Ive never even used that credit card at that mall. Furthermore, any prudent person can look at my statements for the past XXXX XXXX  and see that I dont use the card at retail stores ever! I only really use it at med spas, and very rarely elsewhere. I was told that they were going to reopen my claim and that somebody would contact me. I am still waiting to be contacted and the charges still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-24 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: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-24 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Remove fraudulent accounts from my credit report.

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