vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: MO

Complaint narrative:
XX/XX/XXXX I opened my dispute with Chase. 

Around 319 transactions are involved in the dispute, I was to receive benefits of a purchase from an e-commerce vendor from XX/XX/XXXX until XX/XX/XXXX. 

I spent about two weeks playing phone tag with Chase, visiting my local branch, and talking to various call center operators. The only people who seemed to understand the situation were other banks involved in the issue ( XXXX, XXXX XXXX ) and my local branch. Everyone else I spoke with didn't seem to understand why I was disputing the charges to begin with. 

I provided Chase with a few months of receipts, and documentation from the website in question that proves they advertised, partially delivered, and then revoked, the benefits of my purchases. I provided them with transcripts of my discussions with customer service from the vendor in question, which lays out how their reps tried to deceive me into continuing to spend money. 

Chase closed 61 of the cases from XX/XX/XXXX ( The day I first contacted the vendor about my complaint ) til XX/XX/XXXX ( the next time I had transcripts of my conversations with customer service from the vendor ) Their rational provided in the rejection letter was as follows : " Based on the information available, we found that either the services you purchased were received or available for use. '' I asked a phone rep about this later, they said that wasn't the reason. They say ( paraphrase ) " We can't dispute those charges because you made them after your first complaint which means you must have been accepting the quality of service. '' I tried to explain that when customer service and I spoke the first time, they assured me that my experience was going to be resolved in a few days but that they couldn't give me a time line. They told me it was a routine security procedure, and that I should just use the service as normal until my account was fully restored. 

They never did restore my account, provide me the services I was promised through their own terms of service and advertisements, and now that I have opened a chargeback with them they have completely banned me from the platform. I am still owed the duration of my benefits until XX/XX/XXXX in spite of that, per their own user agreements. However, I will never be compensated for it, and if Chase has it their way, the vendor running this blatant scam will never have to face the consequences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am am in a federally declared disaster area ( XXXX XXXX, Florida ) affected by Hurricane Milton. We had no electricity, water, etc.. after the storm and were approached by a person representing himself as a FEMA representative for debris clean up. 

Since we only had our phone operational during the days that followed the hurricane we were asked to pay the individual via phone app ; we paid the individual via Chime 's Pay Anyone service to assist us with the removal and cleanup of house/building debris. The amount we sent to him was {$900.00} to the email address he provided. 

This person did not return and did not provide any services. We filed an immediate fraud complaint with Chime. Chime did not help us at all ; they only routed us through various dispute processes while closing and reopening of the dispute case as we called and followed up. 

Chime has refused out right to help cover or accept our fraud claim. They asked several times for documentation which we sent various screenshots as evidence. They have all this documentation that we emailed to them at their request several times. They did not send us in return any " investigative documentation '' at all. They only sent automated emails denying our claim/dispute which I am attaching below. They only send the same automated email in reply. 

Upon the final conversation with a supervisor in disputes ( which we had to demand to speak with ) the person hung up on us saying there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
MOHELA ( Missouri Higher Education Loan Authority ) has double-reported my student loans on my credit report ( one set is reported as MOHELA and the other set is reported as Missouri Higher Education ) which is negatively impacting my credit score and my ability to be underwritten for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies in my personal information on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found that certain information does not accurately reflect my current or previous personal details. I am concerned these errors may negatively affect my credit standing. 
The inaccurate information includes ( but is not limited to ) : Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX. XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I spent {$34000.00} in the home improvment category ( and paid it off in full ) for which the card advertises 3 % unlimited cash back. The total cash back amount from these transactions should be {$1000.00}. I did not recieve XXXXXXXX XXXX XXXX  in rewards. 

When I call in to the call center the reps pretend to be clueless and in a previous complaint XXXX alleged that I got rewards. This is not true because the rougly {$500.00} in rewards on file at the time were for purchases done LAST YEAR. 

This is my final attempt at resolving the missing rewards issue before taking legal action. Please take it seriouly. I would appreciate a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
The debt itself is from XX/XX/year>, well past the 6-year statute of limitations. The debt was also transferred to my ex-husband as part of our divorce settlement. I have provided this information to XXXX XXXX. They have been rude on the phone, hung up on me, and one representative yelled at me. They have lied to me, saying I was responsible for the debt even though a court order dictates that I am not responsible. They have also lied and said that the statute of limitations differs for them and doesn't expire until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: PR

Complaint narrative:
SBA - US Treasury Account XXXX and Equifax-inaccurate reporting of disaster loan from payment history, account opened and closed ; Terms and balance. 

The inconsistencies and inaccurate reporting have affected my credit, and have been dismissive of previous requests for erroneous reporting. Nor did I receive a 1099c for tax purposes of cancellation of debt, which I was responsible for submitting to the IRS ; I never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these fraudulent accounts from my credit file. 
XXXX Accounts : XXXX. XXXX o Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$700.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$19000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$340.00} XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$700.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Amount : {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00}

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Ive been charged overdraft fees numerous of times only to reason an email a few days later saying that there were funds available to cover the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
To whom it may concern, On XX/XX/year> I went to the M & T Bank branch office in XXXX, MA. I spoke with XXXX XXXX, bank manager. I explained that the interest payments on my M & T Premier Savings account were below the Premier Savings Rate of XXXX XXXX as promised, when I first opened the Savings Account. I stated that I had contacted the bank or came into the bank to make sure that I was receiving the promotional rate, the bank tellers would tell me that I was all set. Previously I would call M & T on their XXXX telephone number and would be told that I am receiving the promotional rate. At XXXX XXXX  I called XXXX # XXXX at the M & T XXXX number and she looked into the matter for me. Specifically why I was only receiving XXXX XXXX on my Premier Savings account, that advertised a higher rate of XXXX XXXX  for XX/XX/year>, XX/XX/year> and XX/XX/year>. Especially since my balance was higher, due to a {$50000.00} deposit I just made on XX/XX/year> of which an interest rate of 4.08 % was quoted to me as my M & T Premier Savings account rate. 
The correction I want, is for the interest payments to reflect the Premier Savings rate of interest I signed up for when I was influenced at the time, that this was the best liquid account I could sign up for from M & T bank. 
At this point neither the M & T branch manager XXXX XXXX nor XXXX # XXXX at the M & T home office could help me resolve this issue. The branch manager XXXX XXXX called me on XX/XX/year> at XXXX XXXX  and did agree to fix the issue after some research could be done on his end. XXXX XXXX ended the conversation with a promise to contact me on whether he could give me the Premier Savings account rate for the dates in which I did not receive the Premier Savings account rate. Hopefully this issue can be resolved, as again today, I asked the M & T Branch Manager XXXX XXXX, if he had any disclosures or policy pamphlets that would reflect the banks policy regarding their Premier Savings account requirements, he did not reply. He thanked me and said that he would be in touch with me as soon as he could have an answer, that he could fix my account. 

Thank you, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MA. 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 monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote in two letter requesting to have my credit report mailed out to me an have not receive one as of today. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am reporting an instance of credit fraud that is negatively impacting my ability to purchase a home. Unauthorized accounts have been opened in my name without my consent, resulting in a lower credit score and subsequent application denials. I have notified the credit reporting agencies and taken steps, such as filing fraud alerts. This situation is causing significant stress and hindering my home-buying process, and I am seeking guidance on how to resolve the fraudulent activity and protect my identity moving forward. Please remove the accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, I was in a vehicle wreck which totaled my truck. Insurance paid out the loan to Chrysler Capital which resulted some overpayment and the need to refund me for the loan amount and additional product cancellation. Chrysler Capital has only send partial payments at this point and will not give me clear status of what's going on with the remaining balance ( s ). I have attached the cancellation paperwork and payoff letter. 

-Chrysler Capital has paid {$550.00} in vehicle payoff overpayment in XX/XX/XXXX, ( deposited on XX/XX/XXXX ) -Chrysler Capital may have paid {$560.00} for GAP insurance refund in XX/XX/XXXX, ( deposited on XX/XX/XXXX ) -Chrysler Capital has paid {$1200.00} for Tire Warranty, original amount {$1500.00} in XX/XX/XXXX, ( deposited on XX/XX/XXXX ) -I do not believe they paid me for maintenance package, original amount of {$220.00}, as I can not find a record of deposit -They have not paid me for the XXXX extended warranty, original amount of {$2700.00} I have contacted Chrysler Capital on XX/XX/XXXX originally regarding the approval of the remaining two items and stated that they were not approved yet. On XX/XX/XXXX of XXXX, I contacted them again and learned that they were approved and the checks would be sent out in XXXX days. I called on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Each time they claim the checks were sent. I informed them that I had not received them, which they confirmed, and stated they would resend them. At no time have the provided any evidence that the checks were sent and they will not send the check in a trackable manner such as Priority Mail or XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Ive found numerous accounts on my recent credit report that seem to be added without consent. I request immediate removal and blocking of these fraudulent entries.

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 2024-11-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-11-13 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NY XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : XXXX CREDIT CARD FROM XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. AUTO LOAN FROM XXXX XX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX BANKRUPTCY 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