vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I reviewed my credit report and noticed this account reporting derogatory. This is inaccurate as the account is paid as agreed, I request the company show the burden of proof that the account was late, otherwise remove these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX Account Number-XXXX. I just received a copy of my credit report and you are reporting this account incorrectly this collection account is reporting not OPEN, you got all that but shows a past due balance of {$950.00} according to the FCRA, I have the right to an accurate credit report please remove this account immediately for my credit report please provide me a copy of my new credit report reflecting this account upon completion

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX Account XXXX. I just received a copy of my credit report and you are reporting this account incorrectly this collection account is reporting not OPEN, you got all that but shows a past due balance of {$950.00} according to the FCRA, I have the right to an accurate credit report please remove this account immediately for my credit report please provide me a copy of my new credit report reflecting this account upon completion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am a XXXX XXXX XXXXXXXX  XXXX veteran living in XXXX CO and am a graduate of the XXXX XXXX XXXX XXXX XXXX, and ran across another fellow veteran from the XXXXXXXX XXXX who was homeless. I moved all my furniture out of my office to make room for him, rented a storage unit to place my belongings in, bought the veteran a new electric bike so he could visit the food pantry for groceries, load his bike on local buses, spend time with friends at his local dive bar, and eventually get medical assistance through the VA for some injuries sustained during the XXXXXXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Having an almost perfect credit score, I decided to place some of the costs on two high interest credit cards through Chase Card Member Services, because I was also spending time in XXXX working with some of the human rights protests at major university campus ', of which I am an alumni of XXXX XXXX XXXX XXXX. During the two months with Chase, my credit score dropped from an XXXX to almost a XXXX, and despite not missing a real payment the closed both of my accounts for " Rapid increased in revolving balances '' and " Recently returned payments on one or more of your accounts. '' I have had both credit card accounts for well over 5 years and usually kept one of them locked and stored for safe keeping. The more premium credit card I was paying off through disbursements from Chase Sapphire Reserve ( Card number : XXXX ) my XXXX Retirement Investment Accounts to start paying off some of the credit cards. My less premium card Chase Sapphire Preferred ( Card number : XXXX ). Both letters were delivered on XX/XX/XXXX, the day before XXXX XXXX and were dated XX/XX/2024. The goal was to use my retirement as collateral to help out this fellow Veteran who was XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  etc., and has a goal of meeting his two grand daughters before he dies. 

I have been borrowing petty cash from wallets of family and friends to help get myself out of this credit hole and even over XXXX XXXX Weekend, I couldn't even spend the weekend with family and friends due to embarrassment about not even being able to bring drinks or snacks to a BBQ to memorialize fallen soldiers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and friends I've lost XXXX XXXX XXXX XXXX 

I have been on the phone with Chase and into several local offices and they refused to help besides just 'closing my accounts ' without my request after consolidating the two accounts without my permission and then closing both of them. I don't know if it's possible to press criminal charges, but this should fall under discrimination and XXXX law as well as equal credit opportunity act, since I was deriving some of my income through XXXX payments through the Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
Regards, Since XXXX, they started charging me the foreign fee for just one transaction, when it was carried out in XXXX XXXX and the currency in XXXX  is USD. 
XX/XX/2024 fee : {$7.00} Then in XXXX they charged me the fee for XXXX transactions made in XXXX  under the USD currency, and they are even transactions from food places, in the years that I have been there they have never charged me the foreign fee for purchasing in USD currency in XXXX  ( American territory ). 
XX/XX/2024 fee : {$3.00} I am only referring to this dispute, the charges for the months of XXXX and XX/XX/2024. 

I need a trained staff with knowledge of banking and credit cards to analyze and investigate it. The staff who assisted me were very lost and gave answers without analyzing and without carefully looking at the statement, nor did they ask questions to understand the situation. I called last XX/XX/2024 and they told me a dispute number # XXXX and when I called on XX/XX/2024 there was no dispute made after having me on the call for about an hour. On XX/XX/2024, the representative who assisted me also did not understand the situation, tried to create the dispute and only gave me the postal address where I should send the dispute, since the system did not allow him to create it. 

When I request information about the transactions to tell me " in what currency I made the purchase and in what currency they charged me '' no one knows how to answer the question. I asked them to contact me with a supervisor and what they did was transfer it to another employee. 

I just want to be reimbursed for those fee charges that are not legal since there is no currency exchange. 
These charges made by Foreign are illegal, all purchases that were made were in XXXX XXXX, an American territory under which the location of the card is located. In the years that I have had the credit card, this situation has never occurred. Please investigate and refund the fees charged that do not apply when the purchases were in USD currency and are stores from which I frequently purchase. 
I had only made the dispute for the XXXX account statement but now in XXXX I have a charge for the same situation and now more stores join in which I buy frequently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Foursight Holding LLC
State: PA

Complaint narrative:
The credit bureaus reports the account has a {$0.00} balance and I have paid off the loan. However, the account still reports as a charged off account and it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I SENT A LETTER OUT ON XX/XX/year> to Experian, XXXX, XXXX however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I been send money with these company the name is Remilty but they refuse to refund my money im asking for the refund because i didnot send the money and i think is not rigth that i loose my money they say they can refund the money because the money they send the money and they pickup the money but is not my fault i want my money back i ask these person if he resive the money and he say he never resive the money and all i want my money back the total is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The account associated with this CAPITAL ONE AUTO FINANCE repossession shows significant inconsistencies across my credit reports from XXXX, XXXX, and XXXX. These inconsistencies include : * **Payment History : ** XXXX reports no payment history, XXXX reports a repossession in XX/XX/2024 and a charge-off in XX/XX/2024, while XXXX reports an on-time payment in XX/XX/2024 and a repossession in XX/XX/2024. 
* **Account Type : ** XXXX and XXXX report the account as an installment account, while XXXX reports it as an auto loan. 
* **Original Balance : ** XXXX and XXXX report an original balance of {$39000.00}, while XXXX reports no data for this field. 

I have requested clarification on several aspects of this account, including : * Details regarding the vehicle 's repossession and sale, including the date, auction sale price, and any information related to Gap coverage or claims. 
* A copy of the original signed agreement to verify the accuracy of the reported information and ensure that the repossession adhered to the terms of the contract. 

I believe these discrepancies are negatively impacting my credit score and overall financial well-being. I kindly request your assistance in resolving these inconsistencies and obtaining the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Company ran my credit with it my consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Company ran my credit with it my consent or authorization

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Company ran my credit without consent or authorization

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 2024-05-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I PURCHASED A 12 MONTH CD ON XX/XX/XXXX FROM THE XXXX XXXX APP WHICH IS ASSOCIATED WITH WEBSTER BANK IN NEW YORK..I WAS TOLD I HAD A 10 DAY GRACE PERIOD TO DECIDE AFTER THE 12 MONTHS,.. I WANTED TO CLOSE IT OUT ON XX/XX/XXXX. XX/XX/XXXX WAS A SATURDAY AND THEY WERE CLOSED. I CALLED ON MONDAY, XX/XX/XXXX AND TOLD THEM I WANTED TO CLOSE OUT MY CD. THE REP TOLD ME TO CHECK MY APP AND WAIT FOR A MESSAGE FROM XXXX XXXX. I WAITED UNTIL XX/XX/XXXX AND RECEIVED NO MESSAGE FROM THE BANK, I CALLED ON XX/XX/XXXX XXXX XXXX AGAIN AND I WAS TOLD I NEED TO GO TO XXXX, XXXX TO " ACCEPT '' TO GET MY MONEY. I HAD NO IDEA THERE WAS A XXXX. I WENT TO THE WEBSITE, WHILE THE REP WAS ON THE PHONE AND TYPED IN " ACCEPT ''. THE REP TOLD ME MY REQUEST WENT THROUGH AND I SHOULD GET THE MONEY IN 3 DAYS, AND THE MONEY WILL BE IN MY CHECKING ACCOUNT. I WAITED UNTIL XX/XX/XXXX AND WAS THEN TOLD TO WAIT 3 DAYS AND THE MONEY WOULD BE IN THE BANK. I HAVE BEEN GETTING THE RUNAROUND SINCE I WANTED TO CLOSE THE ACCOUNT, I WAITED UNTIL XX/XX/XXXX AND THE REPRESENTATIVE TOLD ME THAT I WILL GET THE MONEY BY XX/XX/XXXX, IN THE MEANTIME MY ACCOUNT SHOWS I AM RENEWING MY CD. WHICH I AM NOT. AFTER READING THE ONLINE REVIEWS ON XXXX XXXX, MANY PEOPLE ARE HAVING THE SAME PROBLEM. I NEED THIS MONEY TO PAY MY BILLS. THE XXXX XXXX PHONE NUMBER IS XXXX. I REALLY APPRECIATE ANYTHING YOU CAN DO TO RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: NC

Complaint narrative:
I reviewed my credit report and noticed this account reporting derogatory. This is inaccurate as the account is paid as agreed, I request the company show the burden of proof that the account was late, otherwise remove these late payments.

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX Account XXXX. I just received a copy of my credit report and you are reporting this account incorrectly this collection account is reporting not OPEN, you got all that but shows a past due balance of {$950.00} according to the FCRA, I have the right to an accurate credit report please remove this account immediately for my credit report please provide me a copy of my new credit report reflecting this account upon completion

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Company ran my credit without consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I have a Sears MasterCard from Citi with which I periodically earn " thankyou '' points on purchases. These points are advertised as redeemable for purchases at XXXX, XXXX, Shell XXXX, and XXXX. Sometimes the redemptions work, and sometimes they don't. This has been happening ever since Sears issued new cards last year. Their response is that they know about the problems and are working to fix them, but they don't give any time line, and the problems still exist after many months.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The creditor has this account listed as a write off on my credit file and they failed to send me a 1099-C for at the time of charge off, and is still reporting this item to my credit file. According to 60415 USC-1681b Income can not be reported to a consumers credit file

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 2024-05-26 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: OH

Complaint narrative:
The creditor has this account listed as a write off on my credit file and they failed to send me a 1099-C for at the time of charge off, and is still reporting this item to my credit file. According to 60415 USC-1681b Income can not be reported to a consumers credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: OH

Complaint narrative:
The creditor has this account listed as a write off on my credit file and they failed to send me a 1099-C for at the time of charge off, and is still reporting this item to my credit file. According to 60415 USC-1681b Income can not be reported to a consumers credit file

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 2024-05-26 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: SC

Complaint narrative:
CFPB know as you were aware of case so you seen that I was a victim of the data breach with Equifax. I let XXXX  know that I was a victim of this situation and they did nothing. Please follow up and make XXXX  delete these from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The creditor has reported this account as a charge off/ Write off and never sent me a 1099-C form at the time of the charge off.

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 2024-05-26 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: OH

Complaint narrative:
The creditor has reported this account as a charge off/ Write off and never sent me a 1099-C form at the time of the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: OH

Complaint narrative:
The creditor has reported this account as a charge off/ Write off and never sent me a 1099-C form at the time of the charge off.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My initial loan were with XXXX XXXX which they went out of business in XXXXXXXX XXXX XXXXXXXX. Westlake financial took over their comstumer loans. I asked Westlake Financial for a copy of original loan that I signed with the company. My loan roughly around {$13000.00} and they added XXXX to my loan without me knowing anything about it. They did not give it to me since I've talked to them on XX/XX/XXXX. They repossessed my car which I paid {$1200.00} to get it back. They blocked me from having access to the account whatever small amount left. I could not pay it. According to their system. My last date for payment was XX/XX/XXXX. They claim I owe {$2000.00} now which doesn't make sense at all. I'm currently talking to a law to make a lawsuit against them.

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