vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I transferred {$50.00} via XXXX to obtain the facial services. However, the merchant provided the fake address. I chat XXXX to assist me to dispute the transaction. XXXX had me to contact my financial institution JP Morgan Chase. On XX/XX/2023, JP Morgan Chase gave me temporary credit {$50.00} while they were investigating the transaction. On XX/XX/2023, JP Morgan Chase reversed the {$50.00} and I called JP Morgan Chase that this was a fraud transaction because the merchant gave me a fake service address. JP Morgan Chase said that Chase doesnt offer assistance for XXXX transactions. On the other hand, XXXX told me that for transaction $ dispute, I should contact my financial institution. Thereforethis brought me to file the complaint via CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX  I was notified that one of my three direct loans were moved to LEVEL payment plan. The other two loans were correctly moved to SAVE plan. All loans on REPAYE were supposed to go to SAVE and it appeared correct up until XXXX. Unfortunately now the payment on Level is higher than it should be and one of my three loans will be paid off in the next year. If the SAVE repayment plan eligibility after XX/XX/XXXXXXXX  goes through as planned with making payments for 10 years I will have all of my loans forgiven but less will be forgiven if the loan stays on LEVEL plan. I contacted Mohela through secure messaging on XX/XX/XXXXXXXX  but have not received a response and no change was made. My auto payment went through earlier this week and was higher than it should have been due to Mohela 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 non-monetary relief
Consumer complaint received 2023-11-22 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support 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 2023-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I got a call that my bill with them was past due and I owe them XXXX or so bucks so I gave them my new card and they ran it while on the phone with me after confirming my payment I set up a cancellation of my account and was told it would be canceled out effective in XXXX sometime but then I started getting calls from this company claiming I had an account in collections with them from XXXX when I said I had closed out my account with XXXX  they denied it and said I have to check with XXXX. I have called multiple times but no one has been able to help me it also shows that they have to different collections for me one for XXXX and one for XXXX which also makes no sense at all. Additionally the collections company has called me non stop around 8 to 10 times a day since the first interaction with them claiming that I will be sued if I dont pay them money. Which is very confusing because my account was supposed to be closed out with XXXX  in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
On XX/XX/23, I was contacted by Achieve Personal Loans by a representative advising me that I could obtain a better monthly payment rate on my active personal loan by refinancing. During the course of the conversation, the representative did provide me a disclaimer that a hard credit pull was required to provide me with a rate, which I consented to. However, after I consented to the pull, the representative advised me that the only refinance option was one that wouldve raised my monthly payment on a marginally shorter payment term, which is not what I was expecting based on their pitch. I am concerned that the hard credit pull will have a negative impact on my credit score and feel as though I was mislead by the representative for the purposes of paying for a different loan product. Achieve, as the provider of my loan, already had access to my banking information as well as my income, and should have been able to obtain all necessary information regarding my qualifications for refinancing via a soft credit pull versus a hard pull, to determine whether I was eligible for a better rate to refinance at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ DATA INTERNATIONAL placed a collection report on my credit for debt that I do no owe. I have documentation cleary showing that I did not live here when the debt was owed. Ive contacted leasing office and confirmed the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On or before XX/XX/, I filed for a " Cellular Telephone Protection '' claim with Chase Card Benefit Services ( " Provider '' ), which was assigned a case number. 

Provider has intentionally made receiving my benefits byXXXX XXXX XXXX. They have intentionally ignored my requests for written explanations On XX/XX/XXXX, I called Provider as they requested, and was informed that I needed to submit " A copy of a diagnostic from an authorized service center stating what is wrong with the product and whether it is cost effective to repair it. ". Provider intentionally did not provide this information to me ahead of time, and waited until I called to provide this information. The same day, I provided the information. 

On XX/XX/XXXX, Provider demanded same information that had been already provided on XX/XX/XXXX. 

On XX/XX/XXXX, Provider requested additional information. 

On XX/XX/XXXX, I called Provider to request additional information. The information requested was the credit card used to purchase the card. That information is irrelevant to determining the benefit. The benefit does not depend on the method of purchase. 

On XX/XX/XXXX, Provider had all the information required to properly adjudicate the claim, but refused to do so. Claim remains unpaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Happy Money, Inc.
State: IL

Complaint narrative:
Happy Money , Inc. reported to XXXX on XX/XX/2023, that my accounts outstanding balance was {$18000.00}. Happy Money Inc.s records, according to their online portal, reflected my accounts outstanding balance to be {$16000.00} as of XX/XX/2023. 

My monthly minimum payment is {$1200.00}. The difference between {$18000.00} and {$16000.00} is {$2400.00}. Happy Money , Inc.s reporting of my accounts outstanding balance is 2 months in arrears and ultimately, inaccurate. My math is shown below. 
{$18000.00} ( My outstanding balance reported by Happy Money Inc. as of XX/XX/2023. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) - {$1200.00} ( XXXX XXXX monthly minimum payment. ) {$16000.00} ( The difference between {$16000.00} and {$16000.00} is the result of me making additional principal payment ) I recognize that it is common for there to be a lag between when payments are posted to an account and when a tradeline is updated. However, Happy Money Inc.s credit bureau reporting of my accounts outstanding balance, as of XX/XX/2023, 2 months in arrears and ultimately, inaccurate. 
I filed a dispute through XXXX  online portal on XX/XX/2023, trusting that Happy Money , Inc. would accurately report my accounts outstanding balance to XXXX, and the other credit bureau reporting agencies. 

XXXX provided me with results of my dispute on XX/XX/2023. XXXX stated, The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Inaccurate credit reporting can materially and adversely impact consumers ability to access credit markets, obtain the best interest rates, increase insurance premiums, and impair ones ability to maintain or obtain employment. 

Happy Money , Inc. has a legal responsibility as a credit data furnisher, to accurately report consumer information to the credit reporting agencies. I assert that Happy Money , Inc. is violating multiple federal and the State of Illinois consumer protection laws including, but not limited to, the Federal Trade Commission Act ( 15 U.S.C. 41-58 ), the Dodd-Frank Act ( Section 1031a ), the Uniform Commercial Code Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S. Code 5531 ) , the Fair Credit Reporting Act ( 1681 ), the Consumer Financial Protection Bureau rules and regulations , and the Illinois Consumer Fairness Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have several car inquiries on my credit report that does not belong to me. My credit report shows I work at XXXX XXXX which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I have several car inquiries on my credit report that does not belong to me. My credit report shows I work at XXXX XXXX which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Re ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX  thru XXXX XXXX  Acct : ending in XXXX for {$3400.00} XXXX XXXX File Number : XXXX Debt to XXXX XXXX  discharged on XXXX. 
XXXX - debt collection call from XXXX XXXX at XXXX XXXX. 
XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. 
under XXXX XXXX, Sec 727, of Title 11. 
XXXX - XXXX XXXX XXXX assumes debt collection after discharge. 
Monthly collection statements continue from XXXXXXXX  to date. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). 
Monthly collection statements continue from XXXX to date. 
XXXX XXXX passes away from XXXX  XXXX. 
XXXX I received a collection call from XXXX. 
Monthly collection statements continue from XXXXXXXX  to date. 
Cease and Desist Order sent by me as Executor of the 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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander consumer USA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ) I am in the process of getting an apartment for my XXXX yr old daughter and I. However I have noticed that I have hard inquiries that I did not take out and dont have any acknowledgment off on my credit score. Its impacting me because its been hard too find an apartment due to this. I need help of removing off my credit file. Santander consumer USA was taken out XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

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 2023-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: DC

Complaint narrative:
I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards 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
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: January Technologies, Inc
State: DC

Complaint narrative:
I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Received an digital letter on XX/XX/22 from Sybchrony Bank stating that they are closing my account due to credit worthiness even though I have never been late and have paid the balance off in full. 

Whereas my friend, who is white, has been delinquent for over XXXX months and to this day he has not received a letter of closure. 

Why then would they close the account of a good standing individual and not the one paying their bills? 

They did the thing to my Lowes account last month even though I paid it on time and rarely was late. 

This is discrimination.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2023, i tried to withdraw money from an atm machine with my debit card, but the atm said that it was an invalid card and took the card. I called US Bank to inquire why i couldn't withdraw money from my account, and they told me to go and see a branch manager the next day. I went to see the branch manager and she said that they have placed a hold on my account. She has emailed the bank to inquire but the hold, and they are not responding to her. And everytime i call to see how i can get my money, they tell me to go and speak to the branch manager. It's been a week now, and i don't have any money on me to even get gas to go to work. I have told them to close the account and give me my money, they say no. I don't know what to do again.

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 2023-11-23 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:
I applied with my Mortgage Company on XX/XX/23, XXXX XXXX, to inquire about an equity loan on my existing mortgage. I was notified that a normal process is to create a Soft credit report with XXXX XXXX. I gave me permission, and I asked that this would not effect on my credit score, and the agent said, not when it is with your lender. I am going through the paper work to apply for line of credit on my mortgage. I WAS OUTRAGED when the next morning and all day today I keep getting phone calls and emails from over 100 lenders trying to to interfere with my decision to get a line of credit with my existing loan with XXXX XXXX. I contact my agent at XXXX XXXX to complain furiously at him and XXXX XXXX, because I thought they were responsible for releasing my phone number and email to the public. I almost did not go through with the loan, just because of this. My agent assured me that he and XXXX XXXX feel the same way as I do, THIS SHOULD NEVER HAPPEN WITHOUT MY PERMISSION!!!! He went on to say that the Credit Bureau ( 's ) releases this information to other public lending competitors. This is an unethical practice and extremely annoying ; to have to screen over 100 calls, block the calls, and get 100 more in less than 24 hrs. There needs to be policy put in place to prevent Credit Breau 's from distributing your phone number and email without your permission. I need the proper agency to take immediate action to STOP THIS!

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