vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. There are accounts on my credit report that I have no knowledge of and need them removed 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to 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 explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: DE

Complaint narrative:
I received an unsolicited credit card in my name today ( XX/XX/2023 ) from Netspend. 

I DID NOT APPLY FOR THIS CARD!! 

I called Netspend ( XXXX ) to tell them to remove my name from their records. I received a recorded message with menu options. They wanted the credit card number entered before I could talk to someone about removing my name from their records. However, when I entered the credit card number there was a message it was going to ACTIVATE the credit card! 

I DID NOT WANT TO ACTIVATE THIS CREDIT CARD THAT I DID NOT APPLY FOR!! 

I closed the website and reentered again, listening to all the menu options. It was rather tricky getting to the menu option where I could CLOSE my account without activating it. 

This is a fraud upon consumers! I am XXXX XXXX XXXX and still have enough mental facilities to figure out what they were doing, tricking me into activating their credit card they sent to me unsolicited. 

I did choose the information that I did not want this credit card.

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 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Our mortgage was sold from XXXX XXXX  to Chase Mortgage effective as of XX/XX/XXXX. 
We made first mortgage payment of {$2100.00} to Chase on XX/XX/XXXX. 
Our mortgage with XXXX XXXX has never had an escrow account and we pay our own taxes and insurance. 
Prior to loan transfer from XXXXXXXX XXXX  in XXXX & XXXX we were notified by XXXX that we had a lapse in coverage of homeowners insurance for 20 days from XX/XX/XXXX to XX/XX/XXXX. We contacted XXXX XXXX and our insurance company XXXX XXXX and advised there had been a mistake made by XXXX XXXX. We also provided a copy of a certificate of insurance from XXXX XXXX to XXXXXXXX XXXX which indicated on the form that XXXX XXXX made an error in the start date of coverage and that it should be XX/XX/XXXX. In the meantime, XXXXXXXX XXXX canceled the force placed insurance but transferred our loan with a balance of {$180.00} owed for escrow to Chase Mortgage. 
Chase mortgage processed our XXXX payment in the amount of {$2100.00} which is our P & I monthly payment and advised we would now have an escrow account for insurance and also pay the {$180.00} lapse in coverage. I have been communicating with Chase since XXXX to have the escrow account removed and was notified on XX/XX/XXXX that they have removed the escrow account ; however, they have now added the {$180.00} for a lapse in coverage to our monthly payment for a total of {$2100.00}. They have added {$15.00} per month to our payment to pay for the {$180.00} lapse in coverage we shouldn't have to pay because we never had a lapse in coverage. I have repeatedly explained this to Chase insurance department, escalation department and customer service department and somehow as a mix up between XXXX XXXX  and Chase Bank XXXX, as the consumer, which hasn't done anything wrong is left to pay {$180.00} we don't owe. I want the {$180.00} removed from my mortgage payment and a letter stating the same. 

Please provide assistance to get this issue resolved. I believe we have a XXXX XXXX backed loan. Our loan number with Chase is # XXXX. I have uploaded the certificate of insurance from XXXX XXXX with information indicated the error was from their agent and the correct dates of coverage. This information was provided to Chase. If needed, I can provide you additional correspondence from Chase regarding this issue. 

Thank you advance for your assistance. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tate and Kirlin Assoc
State: NV

Complaint narrative:
Get these panhandling frauds out of my inboxes. XXXX -- XXXX XXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Unauthorized Inquires

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an account with Bank of America account # XXXX which I paid down to XXXX balance after the account was paid to XXXX it seems that the interest was generated which I didn't realize and to my knowledge the account was paid off so I didn't even think to check. Once I was made aware I quickly paid it off to XXXX  again.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Due to change in my finances it has been almost XXXX years since I have incurred an overdraft fees. It has been so long that Chase revised its policy and anything under {$50.00} is not subject to an overdraft fee. Also, they now allow customers to add and transfer money to bring the back to good standing. I was informed by Chase that my account was in the negative and to transfer money to avoid an overdraft fee. I transferred money from my XXXX XXXX account to bring the account back to good standing. Yesterday I was informed once again that my account was at a negative and to deposit money. I had XXXX hours. I have an email dated XX/XX/XXXX at XXXX XXXX stating I still have time to add money to my account, screenshot attached. Over {$800.00} posted at XXXX XXXX on XX/XX/XXXX well within the XXXX hours given. Even though I complied with all of XXXX policies I was still charged {$100.00} in overdraft feeds. XXXX {$34.00} fees. I am requesting the fees be reversed as I did everything necessary to avoid my account going into the negative. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Netspend Corporation
State: CA

Complaint narrative:
A company net spend has created a card in my name without my permission, consent, or prior knowledge of. The card has yet to be activated but is still fraudulent as all their company lines go to other fraud offers and contain no real person to person interaction.

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 2023-08-09 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a purchase at a Lane Bryant XXXX while visiting XXXX. I had forgotten if I purchased by cash, debit card, or using my Lane Bryant Card. This was during the Pandemic and I had not received any statements. At the time of the purchase, I had a XXXX balance. I normally paid the Lane Bryant card biweekly, and I had previously overpaid the account by {$85.00} because I had automated my payments for many years. I had been a customer of Lane Bryant since XXXX. With a balance of ( - {$85.00} ), Comenity Bank began charging me late fees of {$35.00}. And resolving this dispute was problematic and they did NOT return all of the overpayment. But it became too much of an expense and a bother to get the last {$35.00} back. So I let the issue go and stopped using the card. 

During the Pandemic, there was a discrepancy with receiving mail. And I had been in and out of town often. I did not realize there was an issue with the bill until a collections representative called me, informing me the account was past due but still open. At that time, I explained the oversight. I sent the minimum payment due. I also sent payment in full for the items I purchased. I also explicitly let them know I did not receive my statement. When I finally received my statement in XXXX, I saw they had charged me {$220.00} late fees. I called Comenity Bank and requested to speak to a supervisor, disputing the late fees because ( 1 ) I had not received a statement ; ( 2 ) I have had a Lane Bryant store credit card for 15 years with a favorable payment history ; ( 3 ) their payment processing had been so poor the prior year they had charge me interest and late fees on a negative balance and still had NOT repaid me all of the money for that discrepancy. Despite having been treated this way, Comenity Bank refused to remove the late fees. I was peeved but I paid the balance in its entirety anyway. BUT THEN... Comenity Bank CLOSED my account that I had paid and repaid favorably for year, negatively impacting my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I have been up to the actual XXXX store MULTIPLE times as well as called in and have RECORDED conversations where they told me I owed nothing and would get a refund now its on my credit report. This is illegal and I want it removed immediately or Ill get an attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX  in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX XXXX issued by *Synchrony Bank was closed on XXXX due to inactivity. We had no idea this would be done and had the card to use for times when items were needed. Upon calling, the rep stated the conditions were in the agreements. They are not and these companies are using algorithims that they can not explain. They *Synchrony Bank XXXX also lowered my limit on Sam 's Club card driving up the credit limit ratio to 97 %! without notification. I was supposed to receive a letter after I called and never did. I was told to reapply for XXXX XXXX! why should I when the interest will be higher due to their actions. 

The closing of the account hit the credit bureau and decreased my score substantially to the poor range because they did not report as inactivity but made it look like it was just closed. 

Synchrony seems to be on a trend with this as theiXXXX XXXX site names several such incidents of people who had no marks and whose credit took a dive. They appear to be trying to get more money by lowering your score, having you reapply with a bad score and pay higher interest rates. Their cards already have high rates like usury fees and now these antics are making it worse for people just trying to live and who pay the cards monthly only to be punished.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XXXX is dishonest. They showed a picture of decorative pillows but did not show the back, which led me to believe the back was the same as the front. Turns out, the back is just a plain white. I returned the pillows and they credited me for the pillows but not for the shipping and handling. I called to request a full refund but they refused and told me I should have read all the hidden details Ordered XX/XX/2023 Delivered XX/XX/2023 Refunded XX/XX/2023 Order # XXXX Cost {$88.00} with tax Refunded {$73.00} minus shipping {$14.00} This is not the first time I've had trouble with an order, this company is deceptive and the customer service is unsatisfactory. I told them I was going to make a consumer complaint. Thank you

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Account : XXXX XXXX Account # XXXX Is currently reporting late on my credit report starting from the month XX/XX/2023 to XX/XX/2023 which is INACCURATE. an I request that the late payments be IMMEDIATELY Removed an updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a payment in full for an account administered by Synchrony Financial for a 0 % APR loan from XXXX ( a company that sells musical instruments ). My account was marked " closed. '' However, I noticed in XXXX that I was still being charged monthly for the account, even though it said it was closed. I contacted customer service and was assured that the account was closed and I was no longer being charged. Today ( XX/XX/XXXX ) I noticed that I have in fact been charged monthly since XXXX, even though the account continues to be marked " closed. '' I contacted customer service today, and they informed me that my payment on XX/XX/XXXX had been rejected. Therefore, they had raised my APR to 29.99 % and begun charging me monthly minimum payments at that rate since then. I was never informed of this decision, and in fact was even reassured by customer service. I also did not agree to make automatic minimum payments on this 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 explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
-Between XX/XX/2020 and XX/XX/2020, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of the West account to fraudulent investment firm ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation