vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Multiple unauthorized charges ( totaling about {$1500.00} ) were made to my Citi Double Points card for XXXX trips in XXXX XXXX when I was in XXXX where I live. I have never used XXXX. On XX/XX/XXXX I disputed the charges but they don't show up in their Dispute Center. I requested a replacement card only to have additional charges for XXXX show up on the account after the issuance of the replacement card number. I contacted Citi again using live chat. They assured me they would resolve the issue and issued a new card number. The charges appear on the second replacement card online statement. I again contacted Citi via chat to complain and they said that security was dealing with it and it wasn't a dispute - I don't understand. They still did not have listed in the dispute center - no reason for this. These invalid charges use up my credit limit.

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 monetary relief
Consumer complaint received 2021-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have asked all three bureaus to to investigate and check some errors I noticed in my credit report.I just feel ignored at this point since this is my third time asking them to investigate.They have mentioned something about they need authorization but clearly if im asking for the third time I am giving them permission. I also included a bank statement and proof of id to confirm my identity.

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 2021-02-14 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: United PanAm Financial Corp.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand these accounts be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX, I sent a letter to this company regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an XXXX  this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.

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 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I first received a letter from Chase Bnk that I owed them money from account that I had opened online. They were requesting a past due balance of {$330.00}. I have never had any affiliation with Chase Bank and wanted to know more about the complaint. Since I could not get a police report they will not give me info as to how the account was opened without any I.D . or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I financed a car through Wells Fargo Auto loan from XXXX XXXX XXXX XXXX XXXX NC on XX/XX/XXXX. In which I was misled and told my monthly loan bill would be cheaper if I purchased 2 service/product add ons. An additional 2 were added without my knowledge. 

Due to unemployment, I was set up with a deferral program. While I was on program, I decided to cancel extra products I had purchased with vehicle. That turned into a mess/nightmare, I was refunded only {$940.00} of service plan. To me this sounded off. I only had from XXXX to XXXX left to pay on plan, had never used plan. 

So while working 3rd shift as an XXXX XXXX XXXX, I tried to follow up with both Wells Fargo and auto dealer.. From XX/XX/XXXX to XX/XX/XXXX, XXXX I had zero access to my accounts nor received statements. 

On XX/XX/XXXX, I was told by XXXX XXXX that they had no record of my car purchase and could I look for my documents to send. 

On XX/XX/XXXX and XXXX XX/XX/XXXX, I spoke to a Wells Fargo representative explaining I had just paid my rent through XXXX XXXX  which uses Wells Fargo to pay my rent that was behind due to unemployment. I was told don't worry, we can set you up on a deferment plan for next 3 months. This was both in XXXX and XXXX. My XXXX call though I had found out I wasn't set up on a plan. I stayed on the phone for 3 hours, got no sleep before I headed to my XXXX XXXX XXXX XXXX 

Fast forward to XX/XX/XXXX, I found out I was never set up in a program, my car was about to be repossed. I once again, pulled over to side of road, spoke to someone who said they would look into this again, I immediately paid {$600.00}. 

I have received calls every day almost since then with misinformation about my account. I have had no access to my any important documents like my tax records- this is an suv cross that I use for landscaping business as well. 

I was told that my car can be repossessed at anytime due to my unemployment status, even if it's under a 120 days and that my account is restricted so therefore I can't look online and see what my balance is. I was informed signed up for online access- this was without my knowledge as I couldn't access my account. 

I looked over my loan documents and found out I was charge for 2 extra programs/services- 1 in which I actually paid in full /used my debit card and it was still added to loan as an add on financed for 13.3 % ..

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 2021-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I recently checked my XXXX credit report and was SHOCKED to see a claim by Comenity CB/XXXX  that I did not meet my obligations. I have paided my XXXX credit card to XXXX  balance. In fact, yesterday, I received a NEW XXXX card in the mail. So, first I want to know why this information is on my XXXX  account ( I want it taken off ) and second, if my payments made to XXXX were SO bad, then why did XXXX send me a NEW credit card. This just does not make logical sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Service LLC Dispute - Confirmation # XXXX Dispute page and supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove these two unauthorized inquiries from my credit reports. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Money from social security XXXX claim benefits have been taken from my account transferred to another bank with out my authority. accounts transactions transfer of {$20000.00}. {$15000.00}. {$9.00}, XXXX and more all my XXXX  money from social security is missing. People bank thru XXXX  XXXX XXXX. I have statements and was never provided with all the information that I have tried to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
closed 5 accounts for no reason. never late, always paid in full. cheated me out of cash back earned on paypal mastercard. one account was approved and opened a few days before.

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 2021-02-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I made an XXXX purchase on XX/XX/20 for Order XXXX for {$310.00}. I returned the item for full refund on XX/XX/20 and it was confirmed delivered by XXXX on XX/XX/20. XXXX never refunded me and wasn't cooperative so I filed a chargeback dispute with Discover Bank to get my money back. Discover is inept and refusing to properly handle the dispute and get my refund. I'v submitted a wealth of proof that the order was returned and that XXXX has failed to refund me. Discover is automatically siding with XXXX and refusing to issue my credit as permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
supporting information attached. I did not give permission for an inquiry through XXXX XXXX XXXX - check the signature and date on attached document. Please remove this unauthorized inquiry from my credit report. Thank you.

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 2021-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I have received NOT ONE written, digital or any other form of communication regarding two recent claims submitted on my credit report. Both claims were submitted on XXXX XXXX, XXXX by a single collections Agency : PHOENIX FINANCIAL SERVIC ( stated servic, not service, on report. ) I have zero knowledge of these accounts and did not receive the services claimed, so it is impossible I owe money for services that were never rendered to me. 

I do not owe a single XXXX to either claim and will sign an affidavit under penalty of perjury stating I do not owe this money. The claim is inaccurate. I do not claim ownership now, nor will I ever. 

I do not claim the account on the basis of false and/or inaccurate information, coupled with the fact I have not received one notice or any other type of communication by this collection agency PHOENIX FINANCIAL SERVIC regarding the alleged account ( s ), ever. 

Inaccurate Claim # 1 : -Opened : XX/XX/XXXX - Alleged Open Balance : {$1300.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX XXXX -- Inaccurate Claim # 2 : -Opened : XX/XX/XXXX -Alleged Open Balance : {$1100.00} -Type : Blank, not stated. 
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX  XXXX XXXX I researched XXXX XXXX  XXXX, who they cover, and I have not received services. The type of service on the alleged open account is not stated by the collections agency, I have never received one notice or attempted communication by XXXX XXXX XXXX, either. I do not owe a single XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reporting incorrect and or inaccurate data and amounts.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting incorrect and or inaccurate data and amounts.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXX. The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXXXXXX The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.

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 2021-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
I requested mortgage forbearance back in XX/XX/2020 to my mortgage company Home Point Financial. Forbearance was granted for 5 months. I started giving monthly payments again in XX/XX/2020. I requested a loan modificaron so the amount past due could be added to the end of the loan. My request was approved in XX/XX/2020 after I signed and mailed all the documentation. In XX/XX/ 2020 I started the process to refinance my loan with another mortgage company. This company is asking me for the loan modificaron documentation to be able to process the refinance. I have been asking Home Point Financial for this documentation since XX/XX/2020. I have called them approximately 6 times. Home Point Customer service representatives tell me the request has been submitted and I should recieve my documents by mail. To this date I haven't recieved them and haven't been able to continue the refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am filing a complaint in this open account that I am reporting as a Joint User in this account. This account is now reporting late payments. This FRD MOTOR CR account number XXXX does not belong to me and has nothing to do with this. This account was opened fraudulently without my consent. I wasnt able to sign any membership agreement in this account. This account was open by my previous boyfriend. He is the one responsible and the account owner. I am not aware that my information was used to open this account. Not even aware that my ex-boyfriend had me involved in this. I have been disputing this account with Ford Motor and requested account validation because I know that I never signed anything in this account. The high balance and the late payments are now affecting me. I can not tolerate and wait for this to be fixed. Filling a CFPB complaint hopefully helps me to get the attention of the company that keeps on ignoring my request for reinvestigation and account validation. I need this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NM

Complaint narrative:
I have had a lot ofl conversations over the phone and email the company chime refuses to help me and instead tells me it is my doing when it is not and i have more than proved it to them. 
the following transactions were taken from my account unauthrozed< - XXXX XXXX XXXX XX/XX/2020 {$34.00} - XXXX XX/XX/2020 for {$170.00} -XXXX XXXX XX/XX/2020 for XXXX -XXXX XXXX XX/XX/2020 for {$47.00} -XXXX XXXX XXXX XXXX for {$15.00} XXXX XXXX  XX/XX/2020 for {$100.00} XXXX XXXX XXXX XX/XX/2020 for {$310.00} XXXXXXXX Trip XXXXXX/XX/2020 for {$26.00} I have sent in my time cards from work showing that i was in a NM not NV, i was on the phone with someone from chime whlie it was happening one time, I have asked my accounts be closed and they still have not been. i have contacted the companies personally and have gotten emails stating that when the transactions were " being Made '' that the store was not even open. they still refuse to help me out and just blame me for doing the transactions.

Company response to consumer: Closed with explanation