vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: MS

Complaint narrative:
My account with PROSPER CREDIT CARD was never late. I have had exceptional payment history with PROSPER CREDIT CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

PROSPER CREDIT CARD Never Sent the periodic statement along with the disclosure from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.

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 2024-03-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank branch at XXXX XXXX La XXXX XXXX, XXXX XXXX, CA XXXX, twice refused my request for a withdrawal via cash advance from a prepaid " XXXX '' salary card issued by XXXX XXXX XXXX. On my first visit ( XX/XX/year> ), the U.S. Bank teller stated that since the card was not embossed with my name, he could not honor my cash advance request. Back home, I complained to the issuer via phone, and was emailed a form document to present to U.S. Bank stating that it was legally obligated to execute a cash advance, per XXXX rule # XXXX. I returned to the same branch and same teller the next day, armed with the info on my phone. Again the teller refused to comply, smugly, not even looking at the letter, saying that it was against US Bank procedures, and he worked for the bank, not XXXX. He took my info and said a manager would call me.

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 2024-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a Macy 's credit card for a few years. This past summer, I saw several large fraudulent purchases that almost maxed out the credit card that I did not identify and called Macy 's to discuss the matter. At the time, they very graciously removed the charges from the account and sent me a new credit card. Shortly thereafter, there was once again a suspicious charge on this new card. I immediately called Macy 's and had the second card cancelled. I paid the remainder of my purchases in full as there was only one concerning charge -- the rest were made by me. Because this was the second time this happened with the Macy 's credit card, I no longer wanted an active account with them as I was worried that somewhere this credit card was being compromised and did not want to deal with this again. I spoke to customer service on the phone who ensured me that the account was paid off in full and the account was closed. This was in XXXX. 

Since then, unbeknownst to me, the account was NOT closed and there were some random fees and late charges being added. I was not even aware that the account was even open for that to be happening. It was not a large amount ( approx XXXX dollars once the fees were added up ), but enough to cause me problems. Once I realized, I called again and spoke to someone who reiterated that my account was in fact closed and that I would not have to pay any of these charges since it was not even open. However, one month later I received another notice that I was delinquent on my account and it would be reported to the credit bureau. I called once again and was told the same thing -- that my account was completely closed with Macys and that I would have nothing to pay. However, two late payments were already reported to the credit bureau ( after the account was closed ) and today, much to my surprise, I have an active Macy 's credit account for {$900.00}! And, of course, I do not even have a physical card because the account should have been closed! 

This has been an incredibly stressful experience as I have called many times and have been told that the account is closed each time when it was in fact not closed. I was subsequently charged several " fees '' and " late charges '' that I was not even aware of and which were then reported and dropped my credit score! I have never missed a payment and now I do not even know how to fix this issue. The worst part is knowing that I still have an open account with Macys!

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 2024-03-29 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: TX

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 explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Thursday, XX/XX/2024, I recieved a notification text message and email from Chase Bank notifying me that my Checking and Savings Account has been closed. There was no warning for this closure. I immediately contacted Chase Bank and questioned the event. The only information they provided over the phone was that the account had been restricted and they're unable to tell me why it's been closed. 
Today, XX/XX/2024, I went to Chase Bank in person to further enquire about my account being closed. The only information they could provide was that the account is in the process of closing, there is no reason given why it's being closed, the acount will be closed the XXXX, the check for the amount that's in the account will be mailed XX/XX/XXXX, and I should recieve the check approximately XX/XX/2024. I asked if it'd be possible to pick up the check XX/XX/XXXX and they said that it'll have to be sent through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to follow up on my previous dispute regarding the late payment entry on my credit report. Despite my previous correspondence, I am disappointed to note that this matter remains unresolved, and I am increasingly concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). As previously stated, the late payment entry on my credit report is inaccurate and unjustified. I have meticulously reviewed my records, and there is no evidence to support the claim of a late payment to [ Name of Creditor ] on the reported date. Furthermore, it has come to my attention that the inclusion of this inaccurate late payment entry on my credit report may constitute violations of the FCRA. The FCRA mandates that credit reporting agencies ensure the accuracy of information contained in consumer credit reports. Inaccurate reporting, such as the inclusion of a late payment that did not occur, not only harms my credit score but also violates my rights under federal law.

I am deeply troubled by the failure of [ Credit Reporting Agency Name ] to rectify this situation promptly. Despite providing evidence to support my dispute, the inaccurate late payment entry remains on my credit report, causing ongoing damage to my creditworthiness and financial standing.

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 2024-03-29 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: PA

Complaint narrative:
I did not authorize these inquiries and have significant doubts about their legitimacy. I urge you to conduct a thorough investigation and promptly remove them 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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo ( XXXX ) changes my mailing address to a XXXX XXXX that I have not used since XXXX without my authorization. In XXXX, a replacement credit card was mailed to the incorrect address. I never received the credit card. Then XXXX sent a new card via FedEX to my residence. 
Multiple applications have been submitted fraudulently to Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX continuously tell me to contact XXXX because XXXX notified XXXX to change my address. I talked to XXXX reps by phone and in-person at least XXXX times. They assured me that my name is no longer associated with the XXXX XXXX XXXX therefore, it is not linked to me in any way. 
XXXX is negligent in this matter and continues to change my mailing address to the XXXX XXXX without my authorization every XXXX months. I receive a notification that the mailing address has been changed. Then, I log on and change the address back to my residence. In XX/XX/XXXX, I contacted the XXXX. This act resulted in XXXX sending me letters and leaving voicemails stating they were researching the matter. On Thursday, XX/XX/XXXX, I received correspondence that XXXX ( case XXXX ) and XXXX  ( case # XXXX ) were closing the case. XXXX stated yet again that I should contact XXXX even though I have already called XXXX and gone to the XXXX XXXX where the XXXX XXXX is located numerous times and told XXXX has not triggered an address change for me. I am not linked to the XXXX XXXX because I haven't paid for it since 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 2024-03-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}

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 2024-03-29 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: MS

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my 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 non-monetary relief
Consumer complaint received 2024-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I have been locked out of my online Chase account ( Chase Sapphire Reserve ) for over a week. On XX/XX/XXXX, I contacted Chase customer service, who told me I could not access my account because there was unusual activity on the account. As I do not have any other accounts with Chase, I was immediately concerned about potential fraudulent charges on the account but they did not flag any fraud alerts on my card and refused to provide any additional information about what the unusual activity was. On XX/XX/XXXX, they told me the account access issue should be resolved within XXXX business days. 

When I called back XX/XX/XXXX, they told me the account access issue should be resolved by the end of the week. When I called at the end of the week ( XX/XX/XXXX ), they informed me I have been locked out of the account indefinitely. 

Without access to my online account, I am unable to access bill payment options, my current account balance, and recent transactions, as well as the premium benefits for which the card requires a significant annual fee. While Chase has said I can call to check my balance, I find this proposed solution to be untenable and unacceptable, particularly as a consumer paying several XXXX dollars a year for a premium credit card. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have an FHA loan for 30 years {$160000.00} at 4.25 %. I was told that I would need to pay PMI for an estimated 5 years or until it reaches 80 % at signing of the loan. Its been 7 years and they still have not removed the PMI. My insurance and property tax have both went up due to the increase in home values since XXXX. My home was recently appraised at {$250000.00}. The bank says they can not use an appraisal from another bank and for them to do an appraisal on my home, that i would need to refinance. But they can only offer around 8.50 % right now on a refinance loan, and that is almost double my current loan. I feel its wrong that the bank is basically forcing me to refinance or keep paying PMI on my home and its clearly way past the point of value needed for elimination. Please help. 5th3rd bank is the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
The company claims I owe them XXXX for XXXX months of XXXX XXXX. But I have never used XXXX mobile. If it is XXXX mobile I dont understand why this should be a collection on my credit report and I would not be paying for fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
i went to shop at TJ Maxx XXXX XXXX XXXX the XXXX of XX/XX/2024, with total purchased of XXXX items. Total XXXX dollars, the cashier marketed to me. the store credit card which i l decline with no consent given, only for me an hour later, i got a hard enquiry. on my XXXX credit reporting

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 2024-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I purchased a secure card prepaid gift card from XXXX. It is called XXXX XXXX, I purchased it for XXXX plus dollars with activation fee, when I got home and gifted it to my daughter I went online to check the balance and to make sure the card itself was activated and the site that secure card has you go to, once I typed in the card number a quick pop up said card was activated for {$30.00} balance. We go to use the card online and for some reason nothing was working. My daughter is XXXX and we were trying to buy audiobooks through XXXX  with the gift card. And I could not get the card to work right. So I called the customer service number on the back of the card trying to figure out why my card would not go through because we just checked it and the balance was there of {$30.00}. When I finally got someone through XXXX XXXX customer service to answer the phone, it was very scammy and they were very unprofessional. I gave him the information about the card and about how we just checked the balance and made sure it was activated. And the man that I spoke to on the phone said that my card had a {$30.00} clothing fee purchase that we used. There was no way that we used {$30.00} to purchase clothing because we had just activated the card and check the balance and when not even XXXX minutes later after going on their site to check the balance the money was gone already. I was very upset I called XXXX and tried to explain to them as well that their gift cards that they are selling are not right and are completely scam. XXXX was no help to me whatsoever either. They would not give me my money back basically I had no proof that the gift card was scammed right after purchase. And the customer service number representative who answered the phone for XXXX XXXX  was definitely in a foreign country because I can hear roosters crowing and chickens outside. It was a very weird situation. They wanted me to give them further personal information and told me it would be XXXX days before they could investigate on how the money was stolen off the card. But they wanted my personal information. I did not know what to do, I immediately called XXXX explain the situation to them they transferred me to their security department and they said they will investigate it. It's kind of weird because I was in XXXX again XXXX  days ago and all of those cards were taken off the shelf and we're no longer there. But it really upsets me because even though it was {$30.00} to some that may seem a little bit. But to a lot of us that's all we have. And I was trying to purchase audiobooks for my daughter who is XXXX and it really upsets me that these people get away with scamming people.

Company response to consumer: Closed with explanation