vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I was scammed for a product that I never received. A charge of {$540.00} was billed to my Citi credit card. I kept a detailed report of everything that happened and all the receipts. After contacting Citi to file a dispute, I had conversations with the merchant, Citi Bank, and Citi representations between XXXX and XXXX. I also have evidence that I went back to the merchant to sort it out between us and the merchant lied on their dispute report saying I was happy with the product that I never received. Between now and then, Citi has given me conditional credit for the dispute and reversed the conditional credit twice. This is even despite the fact that I gave a very detailed report with proof that I did not even get the product. After a lengthy email that provided my report and proof was sent on XXXX  I received a notice from Citi Bank on XXXX stating, " Our goal is to provide you with the highest standard of service. We are working with the merchant or merchant 's bank to obtain permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have re-issued a conditional credit to your account for this dispute. '' Unfortunately, on XXXX I received a letter from Citi Bank that backtracked their decision, placing the responsibility of the payment back on me for a product I never received. In their letter, Citi Bank shares with me that, " The merchant will not honor our request for credit based on the information you provided us. Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I am now supposed to pay this hefty charge amount for a product that I never received since the merchant refuses to compensate Citi Bank. I believe this is unfair and unacceptable as my dispute was heavily supported in my favor according to the representatives I have spoken to.

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 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
Debt was fraudulent was reported XXXX XXXX in the amount of {$310.00} I have no knowledge of this account. Helvey and associates is the name behind the account. This is IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This issue ONLY exists on my Experian report for whatever reason and none of the other agencies. I have repeatedly tried to rectify this matter in the past to no avail. My last name is XXXX and often times I get called or am corrected of my own name by many as XXXX which is NOT my name. I have no clue what this debt is for and Experian refuses to remove it from my report. I am a XXXX minority and am trying my best to establish credit and they are preventing me from doing so by putting a false negative mark on my report. I ask that you please help me rectify this matter in hopes of myself trying to correct my report as to what it should accurately show as no bad marks should exist. On another agency 's report it even has me currently working at XXXX 's and I have never worked at XXXX 's. It's been difficult enough as it is with my XXXX but with these inaccuracies on my reports it has made life extremely difficult and would hope to see this matter resolved asap. I appreciate your time and look forward to your reply.

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 2023-04-13 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: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Disputing errors on credit report Dear Specialized Loan Servicing LLC : I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX consumer reports : Dispute Account Number or other information to identify account : Source of dispute information : Specialized Loan Servicing LLC ( SLS ) Type of disputed information : Six ( 6 ) alleged late mortgage payments Dates associated with item being disputed : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX Explanation of item being disputed : The status of my account is not correct. The credit reports show that I am delinquent, but I have made all of my payments on time. Please see enclosed : ( a ) my transaction history from my SLS website profile that shows my on-time payments for XXXX XX/XX/XXXX ; ( b ) my recent correspondence to SLS ; and ( c ) proof of my XX/XX/XXXX payment to SLS, which I paid not because I was delinquent but because I was trying to avoid the current, inaccurate credit reporting dilemma facing me now. 

I respectfully request that Specialized Loan Servicing LLC remove and correct the erroneous late payments from my report. 

Thank you for your assistance. 

Enclosures

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 2023-04-13 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I attempted to open an Any Deposit Checking account with Bank of the West online ; however, I was told my identity could not be verified so I needed to go into a branch. On XX/XX/XXXX, I was able to successfully open the account in a branch. There was a promotion being offered at the time that if you opened an Any Deposit Checking account and made direct deposits of $ XXXX for three consecutive months, you would receive a {$250.00} bonus. My direct deposits, each for {$1000.00}, were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

When I still had not received the promotion bonus, I contacted customer service via secure message on XX/XX/XXXX to inquire about the status. On XX/XX/XXXX, customer service responded that they had no record of a promotion code for the bonus being attached to my account. I responded the same day that a promotion code had not been required for the bonus. On XX/XX/XXXX, customer service responded with, " Bank of the West Online Banking and Contact Center departments are unable to modify in any way the requirements an account must fulfill to obtain a campaign bonus. Our Research Department reviews all accounts to confirm eligibility for any campaign bonus. They make the final determination whether the required criteria were met, and issue any bonuses to qualified accounts. '' I met the qualifications for the bonus and would like Bank of the West to deposit it into my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We have consistently used our Chase credit card for transactions on XXXX, dating back to XXXX XXXX XXXX. Starting in XXXXXXXX XXXX  XXXX, they started charging us a {$10.00} cash advance fee for every single XXXX of these transactions. I was not made aware of these new fees for using Chase cards on XXXX. I saw no updated terms, I saw no email alerts ( and I've search my emails ), and I've never got a warning or alert that I've been charged multiple transaction fees. I don't care as much about my own experience, but I have a feeling there are millions of people doing the same thing and all being charged fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 non-monetary relief
Consumer complaint received 2023-04-13 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: LAKEVIEW LOAN SERVICING, LLC
State: AE

Complaint narrative:
I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.

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 2023-04-13 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: ID

Complaint narrative:
It's that some credit collection agency keeps putting some charges on my repot. They won't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
It's that some credit collection agency keeps putting some charges on my repot. They won't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: FL

Complaint narrative:
First of all, this company violated the law. I am supposed to receive written notice of a debt and a chance to dispute it. I received nothing from them before they slandered my credit. 

I was no longer the guarantor on a lease as of XXXX. The new lease after was between XXXX XXXX and my sister and her husband. My attorney confirmed I was no longer the guarantor as of XXXX and that according to the paperwork, no further charges would be assessed after they moved out. Even if XXXX XXXX feels money is owed, the dispute is in litigation in court to determine if anyone owes anything. The judge hasnt ruled on anything and I never received any letter from the debt collector. I demand this be removed from the three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX - Account # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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

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 2023-04-13 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
The credit report agency Experian dad a data breech. Had my bank account hacked and lost my job over it. then it set back by having to wait to resolve the bank problems. The credit reporting agency said my information was breached. No want records from over two years ago.

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 2023-04-13 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Spoke with XXXX XXXX XXXXXXXX, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. XXXX XXXX XXXXXXXX is flagged on my Chex Systems account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with 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