vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: PA

Complaint narrative:
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with Transunion XXXX XXXX, XXXX XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. Transunion, XXXX and XXXX refuse to explain, verify or rectify despite repeated calls and letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, Equifax XXXX points and XXXX XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At 3.4 % interest ( currently frozen to 0 % for XXXX XXXX administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, XXXX and Equifax refuse to explain, verify or rectify despite repeated calls and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: PA

Complaint narrative:
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, XXXX XXXX points and Experian XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At XXXX XXXX interest ( currently frozen to XXXX XXXX for CARES Act administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, Experian and XXXX refuse to explain, verify or rectify despite repeated calls and letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My response to Synchrony Bank to my XXXX email reply to their XX/XX/XXXX email. 

After the most horrendous credit fraud in USA holiday history late XXXX. 

ALL my active Synchrony Bank cards payments fail. 

Sams Club Amazon Prime Phillips 66 Since XX/XX/XXXX til now XX/XX/XXXX your bank account number fails at my bank, because it is NOT A VALID SYNCHRONY BANK ACCOUNT. 

Each of the 8 minthsAfter phone payments, online payments and customer service payments, INVALID BANK ACCOUNT is why the PAYMENTS DO NOT COMPLETE. 

Some how ALL 3 of my active Synchrony Bank cards payments fail. Possibly there is corruption within your bank or hackers in your system. 

As a retired XXXX, I know that programmers can steal within the banks computer system by using a VALID ACCOUNT NUMBER. 

UNTIL THEY GET CAUGHT. 

THEN THAT ACCOUNT NUMBER IS FLAGGED BY ALL BANKING FRAUD COMPUTER SYSTEMS. 

My active Synchrony Bank cards payments that fail are : Sams Club Amazon Prime Phillips 66 Since the only way is to make mail payments, I notice the addresses keep changing from. 

XXXX, FL to XXXX, PA to XXXX, TX Can my payments to Synchrony Bank get any more confusing? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX - landline XXXX - mobile

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2023 there was unauthorized transaction from merchant XXXX. Bank of America refused credit my account with temporary even doe there could see where the merchant took my money unauthorized. I have waiting over 90 day have not see any money put back in my account. Or temporary credit while they researching problem my XXXX still missing me account. On top that there is other unauthorized transactions happen in my checking account the Bank of America refuse to refund my credit in my account along with the fee they keep hitting my account with.

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 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I send a 1099-A 1099-C 1099-OLD I call them in XX/XX/2023 they said they had not received it yet and when it come the will be send me my title to my car that never happened on last Monday they call my dad and said they was looking for my car so i call them they said they never received the info so i told them they have a billing error they said they didnt know what a billing error was this is what i send to them its not letting me send forms so they are in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX. 
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX JPMCB AUTO FINANCE, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX. 
I have a hard inquiry dated for XX/XX/2023 from XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, AND SANTANDER CONSUMER USA. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I submitted a complaint to the CFPB, Equifax responded in XXXX of 2023 stating that they are reporting my information correctly. ( not true ) The information remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX  there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning situation involving my application for an American Express XXXX Card. Despite successfully applying for the card, I never received confirmation of approval or the actual card itself. Subsequently, unauthorized usage occurred on the card, resulting in fraudulent charges and an account that was sent to collections. 

Here is a concise summary of the events : Application : I applied for the American Express XXXX Card through the designated application process. While I received an acknowledgment of my application submission, I never received any further communication confirming approval or the mailing of the card. 

Unauthorized Usage : To my surprise, I discovered that unauthorized transactions were being made on the American Express XXXX Card, indicating that the card had been issued and was being used without my knowledge or consent. This raised serious concerns about the security of my personal information.

Card Theft : It became evident that the card had been mailed out to an incorrect address. Unfortunately, the card fell into the wrong hands, and an unknown individual stole the card to initiate unauthorized transactions.

Account Closure : Once I became aware of the unauthorized activity, I immediately contacted American Express to report the fraudulent charges and the unauthorized usage of the card. The account was subsequently closed to prevent any further misuse. 

Collections and Damage : Despite taking swift action to report the unauthorized usage and close the account, I was informed that the account had been sent to collections due to outstanding charges that had accumulated as a result of the fraudulent transactions. The total amount sent to collections is {$1400.00}. 

Ineffective XXXX XXXX : The card 's issuance to the wrong address, coupled with the subsequent unauthorized usage, underscores a severe breakdown in the card delivery and security processes. 

This situation has caused significant distress, financial burden, and damage to my credit. I am seeking your assistance in resolving this matter promptly. I believe that the circumstances surrounding the unauthorized usage of the American Express XXXX Card are a result of systemic vulnerabilities in the card issuance and delivery processes, which require a thorough investigation to prevent similar incidents from happening to other consumers. 

I kindly request that you investigate this matter and work with American Express to rectify the situation, including the removal of the erroneous charges from collections, restoring my credit standing, and addressing the security gaps that allowed this situation to occur. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in safeguarding consumers ' financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IL

Complaint narrative:
The loan agency reported to the consumer reporting agency without my consent. On XX/XX/23 saying amount owed is {$4000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: TX

Complaint narrative:
Dear, Transunion There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact me relevant to the request to block the identified transactions. The identified transactions are not information related to any ta transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are required to do what I am asking and block these transactins from being reported to my consumer reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thankyou

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recov Assoc has stated that acct # XXXX, on my credit report, is an " OPEN '' / " INSTALLMENT ACCOUNT ''. This is inaccurate. If XXXX is the original creditor, and the debt was charged off ( as indicated ), then I have no account with this company, no installment account, and the status is closed. 

Portfolio Recov Assoc has stated per " No. of Months ( terms ) '', I have a XXXX month term ''. This is incorrect. What terms and agreements did I sign and agree with, when they purchased this debt? None! So this is inaccurate. ( Please note : even the 2 year payment history states " CO '' /Charged Off, clearly no payments past due to Portfolio Recov Assoc ) Portfolio Recov Assc has stated the date of last activity is XX/XX/XXXX and XX/XX/XXXX. This is a contradiction, and is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX we purchased a tv from Costco for {$790.00} in XXXX, California. We were told Costco had the best warranty so we used our Citi card to make this purchase. On XX/XX/2023, I lost my balance standing next to my tv and accidentally hit it with my elbow causing lines to appear on it, the tv no longer works at all. That same day, I reached out to Costco via their live chat on their website and told the employee what happened and asked if it would be covered, she said yes. I asked even if it was something we did by accident, she said correct. We followed all of the troubleshooting steps provided, but the tv still wasnt working properly. On XXXX XXXX we were notified that it would not be covered and would cost approximately XXXX XXXX dollars to repair. We reached back out to Costco and got transferred around via phone for over an hour. Nobody wanted to help rectify this or take ownership. We got a supervisor by the name of XXXX who listened to us and said she apologized we were given wrong info and would look into a compensation. This was on Thursday, XX/XX/XXXX. We gave her a few days and still didnt hear anything. On Monday, XX/XX/XXXX, we reached out via live chat again to get XXXX which took so much work. We asked for a supervisor right from the beginning and they kept saying it wouldnt be covered. We were already extremely frustrated at that point. XXXX sent an email the next day and stated there was nothing that could be done and she basically said that we misinterpreted what the first live chat representative said which is incorrect. I went to social media finally and got an email to reach out to. I sent in everything including screenshots. We were still told nothing could be done and they would make sure to talk to the employee about providing us with wrong information. At the end of the day, we need a new tv and want this to be rectified. If we are told something will be covered, then it should be covered. Costos customer service is absolutely awful and I hope nobody has to ever deal with this type of situation.

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My on line banking is being accessed by another device. The person who's doing it is paying for rent at other places. Buying things online. And changing my password. Also changing my address address. My address is getting changed.

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 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
So its my understanding that Wells Fargo has done some shady things in XXXX of 2022 they closed my account because they think Im at risk and I told them I had a XXXX and they still denied me to have my account back I mistakenly reported some charges that I did no intend to do that it was childish of me to do that but I begged them to keep my account active they chose not to have me on their account as I had multiple complaints on the account from the fraudulent charges from XXXX XXXX that was closed I tried to explain the situation to the representative that I had a XXXX and they didnt care to have to listen to what I had to say my father passed away back in XXXX of last year and I tried to explain to them I was going through a hardship with my father already dead and wanted to take those reported charges off because I have a XXXX XXXXXXXX and it was totally handled unprofessionally I really would like some relief for them closing my account for their behavior towards me Wells Fargo could have handled it better it was an honest mistake for reporting the charges on accident and they still didnt care that I had a XXXX and handled it the wrong way I would like to have a relief check to compensated me for all this chaos and I have turned in a mediation request form and Im still waiting for a reply or a response Im hoping some one will call me sometime this week to discuss this matter I have a XXXX XXXX called XXXX and have had a rough time with coping with things I been with Wells Fargo for 9 years until things got messed up and now that Im hearing that Wells Fargo got in trouble again for closing peoples accounts in an sec complaint and thats totally wrong very wrong I was in the same situation before and nothing was done or handled properly so Im hoping for a compensation check my old account number is XXXX Im very upset how Wells Fargo treated a XXXX man very wrong the federal court stuff is all over I just want some compensation for the trouble they gave me and hurt my feelings by closing my account Im not to happy with all that and the court stuff is dismissed so we need to take care of this matter soon thanks

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