vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Freedom Unlimited Credit Card and On XX/XX/2023, I redeemed XXXX points for {$300.00} Amazon digital Gift Card. 

It said it takes up to 3-5 business days so I waited about a week for them to send me an email with the digital gift card. However, the email never came through so I called Chase Credit Card Customer Service 4 times to resolve this issue until today. 

I told them to cancel the transaction and give me back the XXXX points since it's taking too long for them to figure out the issue, but they said any points redemption transaction can not be reverted and told me just wait. 

Everytime I spoke with the customer service rep, I was told that I would receive it in the next 3-5 business days but nothing came into my inbox. I've checked the Spam folder and have done my due diligence so I am 100 % sure that they never sent the email. 

Please help me get my {$300.00}...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I have lodged disputes regarding a specific account with Experian repeatedly over the past XXXX XXXX months. However, following each purported " investigation, '' the outcome consistently upholds the accuracy of the reported information. It is crucial to underscore that Experian is obligated to report only precise and truthful information. Enclosed with this formal complaint are supporting documents for verification. It is undeniably unreasonable for me, as a consumer, to expend my time rectifying errors made by one company through the intervention of another. Therefore, I express gratitude to the CFPB for their time and dedication in holding companies like Experian accountable for their actions.

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 2024-01-31 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MOHELA
State: FL

Complaint narrative:
I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report XXXX times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for XXXX account is against code law! I do not owe Mohela or XXXX those accounts are not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan 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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/23 I had {$0.00} transferred out of my Discover high-yield savings account. The transaction was titled " ACH Withdrawal XXXX XXXX XXXX ''. The following day on XX/XX/23, {$9900.00} was transferred out ; transaction tiled " XXXX XXXX XXXX XXXX XXXX XXXX ''. I authorized neither of these withdrawals ; they were not made by me and the money was not deposited into either of my XXXX XXXX accounts. I contacted Discover to report the fraudulent charge. They closed the compromised account ( Acct # XXXX ) and opened a new high-yield savings account for me. They transferred the remaining funds and the {$9900.00} into this new account ( Acct # XXXX ) ; the date of this was XX/XX/23. I returned a written statement back to Discover and was told this was taken care of and no further action was needed on my part. 
On XX/XX/23 Discover took back {$9900.00} from the new account - the transaction was titled " Reverse Disputed Item ''. They are claiming that they did not have enough information to prove that the initial transaction was fraudulent and closed the case ( Discover Case # XXXX ). I was told that in order to re-open the case I'd have to submit supporting documentation and file a police report. I was never notified via email or phone of ANY of these instances. They did not inform me of the initial fraudulent account withdrawal or of them withdrawing the funds they had given back to me. I'm trying to file a police report, but I was told I need full documentation of Discover 's investigation into this case. Discover is not releasing those documents to me I've attached statements from my XXXX bank accounts to prove the money was never transferred to me. I included statements from the initial Discover account and the new account showing the money being taken back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Ability Recovery Services LLC had sent a piece of mail to my home in regards to a debt from XXXX XXXX  in the amount of {$1800.00}, this was paid in full through their website towards the end of 2023. However, since then the collection has come off of my XXXX credit report, but they are refusing to remove it from my XXXX credit report. I need this removed please. I am growing a small business and taking care of my mother and this is affecting me getting the help that the business needs and my mothers needs. I filed a dispute through XXXX and they were unsuccessful at getting it removed. I appreciate anything you can do to help me with this matter. 

Sincerely 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 2024-01-31 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: TX

Complaint narrative:
The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan 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 2024-01-31 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: TX

Complaint narrative:
The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Company sent email to me on XX/XX/XXXX saying I owed damages to a rental property that I moved out of over 1 year prior. This contact was first outreach, over a full year after move-out. 

The company sent a basic spreadsheet list of what I owed. This did not look official. 

I requested the damage proof and reciepts via phone, which the company stated they did not have to give me. 

I sent a certified mail letter to company on XX/XX/XXXX requesting proof that said debt is legitimate with photographic evidence and receipts for purported damage costs owed as is my right. 

The company did not provide any information, but called me on XX/XX/XXXX saying they conducted an internal review and that I still owed said damage costs. 

The company is refusing to provide any evidence that this debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Ive never had any business or contract agreements with credit collection services. My usps tracking shows me that this company received my certified mail on XX/XX/year> which enclosed me requesting proof of debt validation more than 30 days had went by and still no response from this company, so I again then mailed another certified letter that this company received on XX/XX/year> according to usps tracking system in that letter enclosed was me asking that the debit be removed from my credit report and it still hasnt been removed this company is reporting this inaccurate information to the credit bureaus monthly and its has effected my credit score tremendously.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been having an ongoing problem for the past XXXX years with Equifax reporting inaccurate information. I filed bankruptcy XX/XX/2023 and the bankruptcy was discharged XX/XX/2023. Equifax is the only reporting agency that has removed the bankruptcy from public record and shows all of the discharged debts as current. I requested a freeze on my credit report until the report was permanently corrected but, was denied because I deemed it too risky to mail in a copy of my license. I felt this was not needed since they completed a credit identity verification through their automated system. Prior to filing bankruptcy Equifax would report inaccuracies such as reflecting paid/closed accounts as open, then a few days later report them correctly only to turn around and report the wrong information again. This has resulted in my score increasing or decreasing 80-100 points on any given day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX, As this is the only way I can contact you ( you have no email, phone, or other contact listed ), I must wonder why you avoid answering my question and keep referring to my account not showing a stop payment request on our part. Obviously it is impossible to request a stop payment on our part if the fraud is only spotted AFTER the check has been debited from our account. If I used the words " stop payment '' incorrectly I apologise, but obviously I was referring to the approximately 4 month period from when US Bank froze the forgers account, to when I had the debited amounts credited back to my account. If the CFPB won't deal with this absurd time period, I'll find another regulatory agency that will!

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 2024-01-31 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: DISCOVER BANK
State: MO

Complaint narrative:
I reported unauthorized transactions on my Discover Credit Card XX/XX/XXXX. There were many charges from XXXX different merchants, XXXX of which I had never heard of until I saw their transactions. I have spoken with XXXX of the merchants and received a 'we are working on it " type email from the XXXX. i requested proof that my credit card was used by someone else on accounts I never opened. These are the charges. 

XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$330.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$390.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$560.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$80.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$43.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$79.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41.00} XX/XX/23 XXXX XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$26.00} {$14000.00} Discover was investigating the issue but closed the case saying " they couldn't get a hold of me '' but they never reached out via email, mail, phone, or text. I had to reopen the case and provide all of the information again. Discover tells me that if I have any additional information at any time to reach out and share it with them, however I was dismissed and talked over. I feel that no matter what I do to cooperate and provide more information, they do not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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:
Equifax is reporting inaccurate information in the amount of {$2700.00} from XXXX XXXX XXXX  XXXX XXXX XXXX  on my credit report and refusing to remove it and also refusing to send me proof of the debit that they are saying is owed I asked them to send me the purchase agreement and the original contract with that date and my signature to verify they instead sent me a letter that says we verified the debit as accurate as its no actual proof I sent them the request in writing certified mail and this inaccurate information XXXX is now impacting me negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. Two external funds transfers in amount of {$50.00} brought the balance to {$190.00}. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: CO

Complaint narrative:
Self credit builder agency refuses to resolve my illegally closed account where massive fraud occurred and fraudulent transactions were reported directly to them several times instead of resolving disputed transactions self internal employees admitted they actually never investigated fraudulent transactions instead they literally stole my money from account builder as a security deposit to cover for fraudulent transactions which is internal fraud done by them and very illegal. XXXXonsumer have Zero fraud liability. I exhausted all avenues to resolve such issues unfortunately they are refusing to reverse money as credit plus security deposit money stolen from me including unlawful reporting to credit bureaus that I am 300 days late and late on payments. I asked very kindly to correct this account they are refusing and continue to damage my credit health and life wellness. Case is very simple solution is refund fraudulent transactions which means balance should be XXXX and refund {$700.00} security deposit stolen from me and open a new credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This account is not mine. I have submitted an FTC Identity Theft report, a CFPB complaint and contacted my State Attorney general. Please remove this account ASAP from my report. Thank you.

Company response to consumer: Closed with non-monetary relief