vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are items that need to be removed from my consumer report and I have not heard anything within the allotted 30 days about. I want all of these items removed immediately. 

I demand that the following account be verified or removed immediately : 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 I received in the mail a Platinum Capital One Credit Card. I never requested this nor applied for this Card. I am requesting that this account be closed and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: MO

Complaint narrative:
On the months, of XXXX, XXXX, and XXXX of year 2023  I sent over a verification letter to Equifax Credit Berau. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Will not provide contract to validate amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I have a credit card with American Express. Last year of XX/XX/XXXX there was a check # XXXX in the amount of {$3000.00} was mailed to American Express. 

This check was mailed out on or around XX/XX/XXXX and after 30 days of no activiity it was believed that this check may have been lost in the mail. Check # XXXX that was written on my behalf by XXXX XXXX XXXX XXXX and sent to American Express now had a " stop payment '' placed on it. 

A new check was created by XXXX XXXX XXXX XXXX in the amount of " {$3000.00} '' and mailed to American Express. The number on this check was # XXXX and it is dated XX/XX/XXXX. The check was " cashed '' on XX/XX/XXXX and my American Express account recieved the credit of {$3000.00}. I have obtained a photostatic copy of the cleared check # XXXX. It is worth mentioning that my XX/XX/XXXX statement from American Express now shows that I have a balance of {$82.00}. 

The month of XXXX would reflect that everything is fine and that there were no problems. However, in early XX/XX/XXXX it would appear that someone at American Express had found the lost check # XXXX and attempted to cash check # XXXX. When this failed on XX/XX/XXXX AmEx had erronesously REVERSED the credit to my account from XX/XX/XXXX. Now my account is showing a balance of {$3300.00}. 

Over the past 11 months I have made several phone calls and I have explained this situation many times. I have provided proof in the of a copy of the cleared check # XXXX in the amount of {$3000.00} and I have enlisted the help of XXXX XXXX XXXX XXXX employee XXXX XXXX. None of this has help and not I am requesting your help with this matter as well. 

Thank you for your time. 

XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
XXXX XXXX manages several toll roads in the DC area. I have an XXXX transponder that allows me to pay necessary tolls. 

My transponder balance apparently dropped below {$0.00}, and I was assessed a charge of {$3.00} for two missed tolls. One for {$.00} and another for {$2.00}. 

XXXX XXXX did not send me a notice via mail regarding this missed toll, and sent my debt to Nationwide Credit Corporation who assessed a {$100.00} admin fee for each missed toll. Fees total {$200.00} on a debt of {$3.00}. These fees are exorbitant and do not align with the value of the debt. NCC refuses to drop the admin fees despite the extremely low debt amount, active XXXX XXXX participation and lack of notification by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Hello, This is actually a huge complaint. XXXXXXXX XXXX  XXXX XXXX card from start to finish has been a horrible practice/experience. The representative didn't use my address, so my card got sent to the wrong place. When I tried to call to get that corrected, they wanted me to verify information, which I did ( lived here, etc ) then they said they needed mail/pay statements/etc to fix the error that their representative made. The store couldn't help me prior to that, so I didn't understand why it was so complicated. 

I finally escalated and got them to cancel and then they could magically change the address without the further intrusion on excessive needs of my privacy details. 

I mailed a check on XX/XX/16 and my bank verifies they received it on the XXXX. They haven't cashed it but I did send it. 

I informed them this on one of their calls that was excessive. 

They call sometimes every 45 minutes. Use like 10 phone numbers. I mailed in my payment and they have been harassing me. I work overnight, so I don't sleep right, so it's hurting my work. 

I call today, upset bc I missed 4 calls by XXXX XXXX. The representative yells at me for being upset and calls me names. Threatens to not help me but transfers me to a representative that does help me enough to submit a claim to see if they can take my payment. 

I XXXX percent trust them to pay on their system. 

I want to get a lawyer and sue but also don't want the complications. I am very tempted at this point and am resisting the urge. I wanted to at the least, file a complaint, because that was unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Appeal Regarding Unsatisfactory Veterinary Service Dispute with Chase Freedom Card I am writing to appeal to the Consumer Financial Protection Bureau for assistance with a recent transaction dispute on my Chase Freedom card. The transaction in question pertains to a service provided by a veterinarian for the treatment of my dog and cat. The transaction took place on XXXX of XXXX with XXXX XXXX for amount of XXXX dollars. 

Briefly summarized, my pets were administered steroid injections by this new veterinarian with the expectation that it would alleviate their symptoms, including itching, swelling, hotspots, biting, and licking paws. Sadly, three days post-treatment, not only have their symptoms persisted, but they have also significantly worsened. 

Given the lack of improvement and the deteriorating health of my pets, I contacted Chase Freedom 's customer service to dispute the charge, hoping for an understanding and resolution. However, their approach towards the situation was unyielding. They suggested I consult another veterinarian and produce a statement that confirms the ineffectiveness of the previous treatment. While I understand the need for verification, I found this requirement burdensome and potentially inconclusive. A secondary veterinarian, without prior knowledge of my pets ' condition pre-treatment, would be ill-equipped to provide a definitive comparative statement. 

Furthermore, I inquired if Chase would bear the costs for this secondary consultation since it was a condition they imposed, but this was declined. It feels unjust that, in seeking redress for a service that was ineffective, I am compelled to incur further expenses, with no guarantee that they would be recouped. 

It is important to understand that my dispute is not based on mere dissatisfaction but the tangible worsening of my pets ' conditions post-treatment. It is disheartening that the resolution offered involves additional financial and emotional stress for me. 

I kindly request the Consumer Financial Protection Bureau to intervene and guide this matter to a fair resolution. I genuinely believe that I should not be held accountable for charges related to services that not only failed to deliver their promised results but also led to further complications for my pets. 

Thank you for your time and attention to this matter. I trust in the CFPB 's mission to ensure consumers like myself are treated justly in financial dealings and look forward to your guidance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: FL

Complaint narrative:
The company continues to report the account as Charged Off every month. The account was charged off XXXX  and is not supposed to continue to report at Charged Off 5 years later.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
The company continues to report the account as Charged Off every month. The account was charged off XX/XX/2023 and is not supposed to continue to report at Charged Off 5 years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I am enrolled in the SAVE plan according to my MOHELA online account. I am a medical resident with an annual salary of approximately {$70000.00}. MOHELA is telling me that my loan payments are due to restart at {$4400.00} per MONTH, which is higher than my monthly take-home pay. They do not have an explanation for how this was calculated, and their only solution is to place my loans into forbearance until they can re- enroll me into the SAVE plan - this will cause me to become at least 2 months delayed toward my Public Service Loan Forgiveness , which will cost me thousands of dollars in the future. This is absolutely unacceptable and irresponsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear sirs, Please find attached below fraudulent transactions from XXXX XXXX XXXX XXXX. Fifth third bank is not resolving this issue. I am a XXXX XXXX XXXX XXXX XXXX. All my retirement money gone. This company never worked with me as I was living XXXX  in my native country. I checked my account in XXXX and got to know these fraudulent transactions and my account wiped off. 

Full list of disputed transactions are as below : - YEAR 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 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 Regards. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/2023 I observed charges from California on my account that I didn't make. I called Chime customer service and disputed this charges, upon requesting the disputed transactions to be investigated, I had to be issued a new card due to the current information being compromised. My date for receiving the new card was XX/XX/2023. I reached out to Chime customer support today due to not receiving my reissued debit card, shortly after I received a text message saying my address was updated, then the agent from chime said my card wasn't shipped due to my address needing to be updated, as I tried explaining to the agent, my address has already been updated XX/XX/2023 and that I had an email confirmation showing this, after updating my address in XXXX, I received my new card in XXXX, so there was no way that my new card wasn't shipped due to needing a address updated. I was then told the card would be express shipped and that I would receive it in 3 to 5 days. I then requested to speak to a supervisor to express my concerns due to the further wait of not having my debit card to use for shopping and financial needs. I was then told by the supervisor that the agent gave me false information and that I was going to now have to wait until XX/XX/2023 until my new card would arrive, due to the fact they didn't offer express shipping for my account and that if he was in my position he would transfer his funds to another financial institution and close his account. I then spoke via phone call to another supervisor that told me they do offer express shipping for accounts but not mine, when I explained what the previous supervisor told me I was transferred to another supervisor due to " audio issues '' on her end. I then requested an option for faster shipping with the new supervisor " XXXX '' that I was now speaking with, due to their mistakes and inconvenience they've caused that my card be shipped express but was told that decision was in the hands of there advanced customer solutions team. I have not received any information regarding the initial cause of my information being stolen and used for XXXX XXXX  in California, and haven't received any emails regarding my card replacement. I have all communications between myself and chime staff both audio recordings, emails and screenshots of full Chime support chat. This is beyond unacceptable and has been beyond frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
15 U.S CODE 1692g - VALIDATION OF DEBTS. 
15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & EQUIFAX XXXX XXXX DID VIOLATE MY CONSUMER RIGHTS BASE ON 611 FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
1 ) XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

2 ) XXXX XXXX  ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
3 ) XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
4 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
5 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
6 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

7 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
8 ) XXXX XXXX XXXX ACCOUINT XXXX XXXX XXXXHIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
9 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
10 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

11 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: AL

Complaint narrative:
My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.

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 2023-08-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I ordered a credit card from Wells Fargo bank by regular mail and never received it Meaning someone retrieved it and used it and made purchases I asked for another card so they would fedex to make sure I get it this time and I activated it They are accusing me of activating it with my phone but I activated the second card with my phone not the first one that I didnt receive The fraud transaction was on XX/XX/2023 but I received my card after that date The bank refuses to overturn their decision to reverse the charges

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 2023-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  XXXX {$7300.00}

Company response to consumer: Closed with non-monetary relief