vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Hello I purchased a car from us auto sale with no issues or hiding fees with my account. Never had an issue with making payments on or after my due date. West lake portfolio the company that brought them out is a rip off they are over charging my account for intrest and late fees and also for the payment to be drafted out of my account I contacted them about the problem and I was told that it wasnt a good time to discuss it. My payment are XXXX every two weeks but since the new company brought us auto sales out Ive been having issues with them since. In and reality Im not that much behind with my payments I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Merchant agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of one ( 1 ) case of defective/damaged flooring material and three ( 3 ) cases of new, unopened flooring material. When I arrived to deliver the FOUR cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the three unopened material. I filed a dispute with Alliant Visa for the one ( 1 ) case of damaged material that was not refunded. I supplied Alliant representative with a full email chain wherein the merchant agreed to take back ALL FOUR cases of material and provide a credit therefor.

Alliant is a small fintech-type issuer and outsources their credit card operations to a company called " XXXX '' After providing all the information to XXXX and Alliant I received a provisional credit for the {$68.00}.

Subsequent thereto the provisional credit was REVERSED.

Upon seeing the reversal of the provisional credit I contacted AlliantXXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant " already '' agreed to provide a refund. 
When I explained to the XXXX representative that the merchant credit was only for three ( 3 ) not four ( 4 ) cases of material, the XXXX representative said that there was nothing he could do and became defensive and rude. I requested the documentation showing I received a full refund for all four cases. Request denied. 
I subsequently contacted an Alliant employee in Alliant 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. 
I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all four ( 4 ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. 
It also appears now that my online access to my account has been removed so I can not effectively monitor the account. However, I can see my account using the mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-28 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: ME

Complaint narrative:
trying to remove hard inquiries that were not mine, i did not authorize and credit pulls in the past 12 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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX has indicated that i was both 30 days late and 60 days late for XXXX and XX/XX/2023. Please see attached credit card statements that show in the account summary that I had a XXXX balance due and no late payments for the dates in question.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2019 I did a transfer from XXXX XXXX XXXX  where I was the account holder to the Chase bank to the supposed closing attorneys account. 2 hours later I was informed by the closing attorney that they didn't receive the wire, and they confirmed the account information that I had was not the correct one, apparently the email was hacked and I was following the instructions from a hacker. I immediately informed my bank, and while the funds were still available on my account I requested to place a swift recall. Accordingly to the bank manger of the branch where I initiated the transferred from, the XXXX XXXX had place a wire stopped successfully and the Chase bank did acknowledge a name discrepancy and the wire was placed on hold. On XX/XX/XXXX the Chase bank released the funds to the fraudsters and closed the account. Following the investigations from the Law enforcement in XXXX, the Police XXXX uncharged discovered the Chase bank opened the account to a person with fake ID and XXXX phone number. Still the bank released the red flagged funds. The XXXX XXXX did failed by not confirming with the Chase the account at the time I was making the wire transfer, as a result of this mistake I was told the manager was later on terminated ; still I never retrieved my money, and the Chase bank did opened and released the funds to fraudsters what makes me conclude this was an inside crime. I need from both bank to accept their response and refund the money that I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: AL

Complaint narrative:
Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX  ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations XXXX  Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.

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 2023-08-28 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: AL

Complaint narrative:
Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX  ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations XXXX  Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: AL

Complaint narrative:
Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations CHASE Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
We applied for and was granted a Visa Card from FNBO, because there would be a discount of 50 per gallon, for a limited time, purchased from XXXX or XXXX stations. 

When the discount was only 30 per gallon, as per agreement, we contacted the bank via email numerous times for an answer, they did not respond. 

Now it appears they have fixed the Log-in, so we can no longer reach them by email. We input the Username and Password and receive a message that it is incorrect. We ask for the correct password/username and they are sent to the email address. When we try to re Log-in, we get the same message. So, we are in a constant loop. This is the main reason for the complaint. Not answering the question is only secondary to 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
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-08-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
My family and I were on vacation in the XXXX XXXX and were told that we were purchasing " part of a travel agency '' who's parent company was XXXX or XXXX. We got home a researched them and realized that they completely misled us with blatant lies. We asked USAA to stop payment immediately and disputed the transaction. We tried to get the vendor to refund us, but since it was their intent to misled us and rip us off, they did not refund our card. We told USAA representatives that they were actively deceiving us and could not be trusted. USAA told us that the vendor had signed paperwork from us, which is correct. However, we signed this under the assumption that they were part a reputable U.S. company XXXX XXXX XXXX XXXX which again is how they got us to sign. They are liars and looked to deceive us from the start. We informed USAA of this and they refuse to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EQUIFAX, INC.
State: ME

Complaint narrative:
trying to remove hard inquiries that were not mine, i did not authorize and credit pulls in the past 12 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX once a week I get my employment pay check have been since XX/XX/XXXX direct deposit more than half of the time from then to now. I work for XXXX. XXXX does offer XXXX  XXXX, so my check gets sent to the XXXX  XXXX  company then XXXX  XXXX  would send it to my direct deposit with chime ... every XXXX  around XXXX XXXX  I would get my checks on my chime debit before I even started getting XXXX XXXX  ... when I got XXXX  XXXX  in probably late XX/XX/XXXX the remaining amount left over from my XXXX  pay check that I didn't take out daily would be on my card on XXXX  XXXX.. the chime credit builder card was now my direct deposit card through chime of course... I had signed up for a subscription or something that I didn't plan too and forgot to cancel... so I locked my card and when I would get my checks I would transfer from my chime credit builder to my chime debit well I lost my credit builder card n debit card also lost my phone so i couldnt verify the phone numebr and chime stated every email I'd given was wrong.. I know at least one of XXXX or XXXX i gave out was it ... my direct deposit has been thru the same place XXXX  same time since XXXX of last yr.. my social security number didn't change neither my address... I ordered new cards to be sent to me from chime the lady stated I would have a virtual card on mobile app until my cards arrived... but I wasn't getting anywhere after about 30 plus emails... of them asking for selfish XXXX my drivers license and even the date XXXX my drivers license and email I did that email at least XXXX times... I've called even XXXX  XXXX  said they would override it but could take 4 to 6 weeks.. they said nope chime had to deal XXXX it ... the new cards came in the mail... I activated both credit builder XXXX chime debit my {$460.00} was not on the cards either one I had XXXX balance... I also had a whole new account XXXX routing number so that messed up my direct deposit... I call and ask to speak to a supervisor and they say the same thing if I want to have the email or whatever I just want access to the online account chime said I needed to email XXXX my issues they asked if I could send them an email from my original account to verify.. I told then I couldn't do XXXX an email back it's been 2 weeks XXXX nothing from them.. the last conversation they closed my account but can't tell me what or where my money went

Company response to consumer: Closed with explanation