vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson capital systems LLC. 
Reported to XXXX a false address. 
XXXX XXXX XXXX XXXX XXXX XXXX FL. 
I've never lived at XXXX XXXX XXXX FL I live at the same address, I called XXXX to have it removed, They wouldn't then the amount was incorrect I paid them on the agreement Amount of XXXX a month which they agreed too.A they stated it hasn't been paid which is also a lie. 
So they are falsely making accusations That they are making up .I believe that they should be entirely need to be removed.. What will the post next? 
Never know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I recently made a payment agreement to American Express and AMEX representative submitting more than amount I original agree to, which cause my personal banking account to be in the negative. I reached out about the situation, AMEX stated they could not help me with the Unauthorized payment as it was proclaimed scheduled. I don't understand how it would be consider scheduled when I did AUTHORIZE the amount. AMEX did this more than once causing my XXXX  to go thru the roof. AMEX can only provide a script of how sorry they are, that is not good enough, stop the payment. This UNAUTHORIZED payment cuz me to get RETURN PAYMENT FEE, when this is clearly AMEX at fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
My name is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
My name is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: IL

Complaint narrative:
Please see attached documesants. Do not close this complaint stating it is not me. I am a natural person and a coansumer.

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 2023-12-28 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 non-monetary relief
Consumer complaint received 2023-12-28 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My card, number XXXX, has been declined at several online sites including XXXX XXXX, most recently. Currently, the remaining balance is {$30.00} to the best of my knowledge. Previously, the card was declined at other online retailers including XXXX, previously named .... At that time, the balance was higher with more than enough available credit. It appears the issuer, American Express, blocks transactions to prevent use of available credit, if any available. At this point. I request card closed out, balance refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Every dispute since XXXX XX/XX/XXXX  that was won and closed in my favor never added a XXXX  dollar to my available spending credit. They say that it temporarily adds it once a dispute is made, which is incorrect Ive never received a temporary adjusted available credit amount, then they say the money is added to the available credit once the case is decided. Not once has my available credit changed once a case has been won in my favor. You can literally see Apple taking back their cash back amount of XXXX % of the transaction amount disputed but never add the actually won dispute money to my account : there is also instances where a dispute credit has been added and then it will say in my app/ live statement temporary dispute credit adjustment and take the temporary credit away from the balance and available spending. in addition I have been blatantly lied lto regarding the status of my account and what it being noted based on the next rep repeating what the prior supervisior did. I was told they are submitting tickets and complaints to call back the next week and there never having been a ticket or complaint filed. The exec office has been asked to look at why my account is doing this and they closed the investigation with XXXX reasoning given. Literally blank even to the internal people and Im supposed to be notified of the outcome of the investigation and never was in any mode of communication. They also dont randomly select which representative you are transferred to when they want you to give you they send you to a completely different set of supervisors. Your going to say Im crazy but this was told to me by two of their own associates. They have not refunded over XXXX dollars and going line be line its more like over XXXX dollars they have withheld from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
This company has failed to acknowledge my account being paid in full as of XX/XX/XXXX. There was a garnishment for the total amount of {$16000.00}, issued for the loan in XX/XX/XXXX with payments starting on XX/XX/XXXX to my employer group. On XX/XX/XXXX, the final payment of {$200.00} was made to satisfy the stated amount provided to my employer group and on court docs. I received a release letter from my employer, who sent to XXXX XXXX on XX/XX/XXXX. My XXXX credit report shows I owe the amount of {$1000.00} with a high balance of {$16000.00}. This balance owed is incorrect. The report also shows a term of 74 months versus the original contract of 72 months. The term info is incorrect. Additionally, it states my last payment was XX/XX/XXXX, which is inaccurate as well. My last payment was XX/XX/XXXX for the loan amount. I called in XX/XX/XXXX to XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX at XXXX and was transferred to XXXX XXXX, XXXX for the law office representing First Investors in reference to the balance owed. XXXX advised me my loan balance was paid in full and emailed me on XXXX confirming the principal balance was satisfied in XX/XX/XXXX. He also sent me a pdf file showing what my total balance owed was from the legal docs. The balance of {$1000.00} is not the correct amount for the loan in which is being reported. The docs show a breakdown of the principal {$13000.00}, {$1000.00} interest, {$1400.00} attorney fees, {$310.00} fees and {$160.00} in late fees, totalling in {$16000.00}. This loan has been paid off full plus some.

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
I have filed a claim like this before, but I agreed to close it because the proof I had at one time dissappeared. The same thing happened again, but this time I was able to take screen shots ; mind you, the statement reads two different names. One says Google, general entertainment  and the other says XXXX XXXX XXXX XXXX XXXX. The reason this is an issue is, not only am i being charged twice, I canceled my debit card the last time I saw the XXXX XXXX XXXX XXXX XXXX. I had no idea that XXXX XXXX XXXX XXXX XXXX is a secondary or whatever name for Google. It wasn't until a few days after I canceled my card that XXXX XXXX XXXX XXXX XXXX changed to say Google Entertainment. I was put out for 2 whole weeks not having my card. I thought it was hacked. But lo and behold, it was Google this whole time ; and now it happened again. Google charged me on the XXXX XXXX XXXX XXXX of XXXX and I have a pending transaction made on the XXXX ( XXXX XXXX XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX. I find this highly suspicious.

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 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: IA

Complaint narrative:
This company wants me to repay a {$300.00} loan for almost {$1000.00}. I have never come across any loan company that would have you repay a loan XXXX of the original amount. This can't be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: VA

Complaint narrative:
At the beginning of XXXX  I did not receive my monthly statement from XXXX XXXXXXXX XXXX XXXX. I called but was told to wait, that it was probably delayed in the post-XXXX backup at the Postal Service, etc. It still did not come. I complained again. Eventually I was given the balance information and we agreed that I would send payment right away AND that any fees or late charges would be reversed. I paid. My account was corrected. However, XXXX XXXX XXXX XXXX still reported me as late on payment the month of XX/XX/. For all the years before - and - the time since - I was NEVER LATE. The bank refuses to delete the XXXX month of late payment to credit reporting agencies. This is both very poor customer relations and is offensive to the public because the bank failed to mail me my statement. The problem was caused by XXXX XXXX XXXX XXXXXXXX 's own operations, NOT BY ME! I voluntarily contact the bank multiple times, but it still did not send the statement. I ACTED IN GOOD FAITH by paying without a statement to verify charges. XXXX XXXX XXXX XXXX XXXX HAS ACTED IN BAD FAITH throughout.

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 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME that no proof of the alleged debt, in fact therefore exists 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In early XXXX XXXX I sent a dispute to Equifax re a fraudulent charge to my XXXX account- which I voluntarily closed. Equifax did not investigate and never notified me of anything. Consequently, I submitted a Statement of Dispute to be included in my report. Equifax did not include it and did not respond to my request to include it. In short, Equifax has- in disregard to its legal responsibility o consumers- ignored all of my correspondence. By doing so, Equifax has caused my financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/2023 {$2800.00} taken from debit card XX/XX/2023 {$2800.00} reversed back to account Chase took the money back on XX/XX/2023 {$2800.00}. My XXXX  XXXX credit card was compromised but XXXX  XXXX reversed the charges back to my account. Reported identity theft to police office and send the police report to Chase bank fraud. They denied the claim they say the transaction was authorized. Do not know how that was possible because I have never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

Wells fargo dealer services

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a customer of Citibank using the Citi Doublecash as my primary credit card. 

On my statements ending in XXXX and XXXX, I was charged interest on purchases. I should not have been charged interest - there was a bug with payments being applied to the account as a whole but not to standard purchases or my balance transfer offer. Thus, the balance subject to interest rate in both of these months was higher than the previous statement balance ( makes no mathematical sense... ). I called Citi in XXXX and XXXX after I received these statements. I was credited for the incorrect interest charges. In XXXX, a Citi representative informed me that a report was made so that this bug could be corrected. 

Most recently on XX/XX/XXXX I received my statement. Again, I was charged for interest and the total balance subject to interest was higher than the previous statement balance. I made a {$5000.00} payment during my XXXX to XXXX statement period and while this was applied to the balance as a whole, it was not applied to my balance subject to interest rate. I have included my statements for reference. I tried calling on XX/XX/XXXX around XXXX PST and eventually spoke to Floor Supervisor " XXXX '' who was unhelpful and rude. He was not able to answer why the balance subject to interest was higher than the previous statement balance but insisted the charges were legitimate. Looking at my statement closing in XXXX... 

Previous statement balance = {$24000.00} Payments during period = - {$5000.00} ( excluding new purchases to calculate balance subject to interest ) Total balance subject to interest = {$19000.00} In addition, most of this is a balance transfer that is charged interest at a much lower rate. 

Instead, the balance subject to interest rate is a total of {$25000.00}. This makes no sense as this is higher than my previous statement balance and current statement balance.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive tried several times to have the fraud statement deleted from my credit report I have sent in written notice on several occasions and they will not delete this statement that I did not ask to be added to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
Please see attacsahed documents. Do not close this complaint stating it is not me. I am a natural persfson and a consumer.

Company response to consumer: Closed with non-monetary relief