vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i contact all 3 credit companies they will not send me the information I'm requesting

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank has been blocking online access to all accounts for several weeks. They are forcing acceptance to a XXXX XXXXXXXX XXXX agreement. This PDF is 125 pages long! I do not have the time, patience, and possibly the competence ( due to the complexity and length of legal language within ) to fully read and understand such terms. This is an abuse of power by one of the few national banks, to a decades long customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I was charged by XXXX XXXX in the amount of {$7200.00} Sometime in XXXX I called to dispute this charge as the communication between me and merchant was minimal at best, and the work I paid to have done had not been completed. 
Around that same time my account was adjusted to reflect a credit of {$7200.00} while you investigated the issue. You also removed the payment from the Merchant and that is when the communication picked back up. 

On XX/XX/XXXX the work was preformed and I called to cancel my dispute with the Merchant I was then instructed by your team the adjustment on my account would be removed, the charge date would remain the same ( XX/XX/XXXX ) but it would show a new post date of XX/XX/XXXX. 

After waiting the 7 to 10 business day I was told it would take to reprocess the payment to the Merchant, the Merchant still has not received the funds. 
I have been charged and paid my account balance for the amount in question. 

The Merchant, who uses XXXX, has not received the funds from this resolved dispute. XXXX has no record of American Express trying to send them any funds either. 

I have spoken to multiple people at American Express as well as at XXXX however, no one is talking to each other. I am doing all the talking between the companies and something is systematically wrong between Amex and XXXX preventing the merchant from receiving his funds. 

My dispute is not The expected goods or services have not been received, the dispute is American Express has {$7200.00} of MY MONEY and they have not paid the Merchant. Where is the money?!? Follow the transaction numbers and figure out where the money is either stuck, or was wrongly deposited. 



Someone from American Express needs to contact the merchant ( which I was told would be done and to date they have not heard from you at all ), contact the merchants account processor ( which is XXXX ) and get the issue resolved. 

Find the money I have paid, and deposit it into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
My Wife and I called Global Lending customer service several times between XXXX, Request for the removal of a late payment reported to my credit. The payment was made on XX/XX/XXXX and XX/XX/XXXX. We spoke with the manager on duty, and they agreed to send us the payment history but was not able to remove it from my credit report. She told us, a payment for {$400.00} was made on XX/XX/XXXX and I was late paying {$53.00}, that is why they report it as a late payment. I made an additional payment on XX/XX/XXXX in the amount of {$900.00} to clear up the account, but they were not able to remove the late payment from my credit. In the past, I asked if my payment due date can be changed to a later date because it was conflicting with my rent that was due on the same day, and it would allow me to make my car payment on time if the date was changed. I explained to the manager on Wednesday XX/XX/XXXX and she agreed to change the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/07 I noticed I had fraudulent activity on my account. Someone called acting as me and filed 2 disputes stating I was overpaid by {$990.00}. When I noticed this, I immediately called the bank and noticed that their level of security when calling in is slim to none and anyone can retrieve the required information that they are asking for. Which is account/debit card number, name and street address. I felt like this is the reason why someone was able to fraudulently call and act on my behalf. I asked that more security levels be added onto my account which I was asked a series of questions and gave answers to. When I called back in to check on the status a couple of days later, they asked the same 3 questions with none of the extra security questions being asked. 

Chase is making it very easy for scammers to call in and act on behalf of valued customers. I am now out {$1900.00} due to this lack of security. I should feel secure in the place that I trust to hold mine and my families financial lives in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
A {$40.00} ATM withdrawal appeared on my USAA checking account statement that I do not recognize and dispute making. The charge appears as : " XXXX XXXX XXXX XXXX XXXX CA. '' USAA says this ATM is located near XXXX, CA. I haven't been to XXXX, CA in 40 years. 

USAA stated that they determined it was not fraudulent. I asked for supporting documentation or information. USAA has not supplied any supporting information as required by 12 CFR sec. 205.11 ( d ). 

My dispute # with USAA is Dispute XXXX. My checking account number ( now closed ) is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: V and H Portfolio
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I been a victim of identity/fraud theft. I am buying a house and my mortgage broker advised my not to have any accounts remained or are in dispute. This been on my credit report started in XX/XX/XXXX  for XXXX according to FCRA sec 623 enforce FACTA 312 if unable to perform a reasonable investigation then this info is required to be removed as well as 15 usc 1692 g validation of debt. This account is been over 120 old and its just been verified and updated to keep the statue of limitations ongoing. I would like this removed immediately off of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I set up autopay and bank did not withdraw funds while my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist is at fault. Bank ERROR! They will not fix or remove incorrect information from my credit file. 

Truist is not well run. The bank merger is well known to be problem. All you have to do is search and hundreds and hundreds of other people report the same problem with the bank. Even during the latest bank investor conference the CEO admitted their bank technology needs to be updated. TRUIST has a problem and won't admit the autopay did not function as it was supposed to. 

I am very upset. 

I have tried to speak with Truist. I have complained on here repeatedly. 

TRUIST not only did not withdraw payments for the mortgage they also have reported different information to different bureaus and incorrect in part. Trying to bank with Truist is a nightmare. Truist DOES NOT CARE! How can Truist run ads and say what they say to shareholders? 

I have screen grabbed info from the shareholder meeting. I also grabbed other peoples complaints online for the bank not processing payments and employees complaining about the bank technology not working. TRUIST did not process while my family was going through a horrible death in the family. AND now I am having to write complaints about the problem TRUIST created.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I attempted to open an " XXXX XXXX '' personal checking account. I submitted my application online and was informed the following : " We're sorry but we're unable to open your Bank of America account ( s ) online. 
However we can help you open your account at a local financial center '' I went to the finance center at XXXX XXXX XXXX, XXXX, TX XXXX and spoke with XXXX to attempt to open my account. XXXX informed me there was a " risk disclosure '' on my account and he would be unable to open the account. He also was unable to provide any additional information and suggested I call XXXX. I called this number and was unable to reach an agent that could help provide more information on why I had a " risk disclosure '' associated with my account. 

I had a very similar experience on XX/XX/XXXX. I opened a checking account online on XX/XX/XXXX and funded the account with a transfer from another checking account. On XX/XX/XXXX I received notice my opening account deposit was unable to be processed and my account would be closed. 

I want to be able to reach someone at bank of america that can provide actual information on why there is a " risk disclosure '' on my account and why both times I have tried to open a checking account, it has not been possible.

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 2023-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I talked with my representative return the car after it was deemed unreiable, representative stated that i could return and it wouldnt be put on my credit and that he would fix and resell then write off the rest but this was plafce on my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: PA

Complaint narrative:
I am not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC.

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 2023-09-13 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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-13 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: IL

Complaint narrative:
I did not initiate these inquiries, 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 2023-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
In XX/XX/2023, Amsher reported to Cfpb that they would be removing all tradelines from my credit report. As of XX/XX/, Amsher has failed to do so. I respectfully request intevention by Cfpb, Please refer to Amsher 's responding statement to Cfpb : " AmSher will request the account be removed from her credit reports. Be advised, this in no way suggests that XXXX considers the account to be invalid or inaccurate. Please allow up to sixty ( 60 ) days for each of the credit bureaus to update. Thank you for allowing AmSher an opportunity to address the consumers concern ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-13 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: TX

Complaint narrative:
i contact all 3 credit companies they will not send me the information I'm requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a general use Credit Card with Barclaycard. I was incorrectly charged interest when my bill was paid in full, in its entirety before the due date. My current cardholder agreement states, " Paying Interest : Your due date is at least 23 days after the close of each billing cycle. ***We will not charge you interest on purchases if you pay your entire balance by the due date each month. *** We will begin charging interest on balance transfers, checks and cash advances on the transaction date. '' My due date was XXXX. I paid the bill, in full, on that date. Three days later, on XXXX, I was charged interest of {$290.00}. 

The company can't, or won't, explain why the charge is valid and are indicating that it's interest due from XXXX and XXXX of XXXX which they billed on XXXX. Obviously this doesn't make sense. 

I am seeking to have the incorrect interest charge waived in its entirety.

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 2023-09-13 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Earlier today I received a notification that my credit score dropped by XXXX points. When I checked my XXXX report, I saw an entry, dated XX/XX/2023 from LVNV Funding, LLC, a company I have never heard of before. I clicked on a link to gather more information and there was none. Just an amount ( {$1800.00} ) and the companys name. 

I have had no correspondence from this company and I do not know what this is about. Moreover, I was not given an opportunity to do anything. This is XXXX 

I am attaching screenshots of the information in my credit file. It says its a collection account, but it doesnt give any information about the underlying debt. This is utterly ridiculous. Companies shouldnt have the ability to just make entries to your credit report just because they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
This is a continuous debt collection that resulted in Identity Theft with a provided Police Report when XXXX XXXX ( try to collect ) as of XX/XX/XXXX 1. CFPB Reference Complaint XXXX XXXX. XXXX XXXX. XXXX NCB Management Service has made several attempts to Collect and pulling hard inquires report my credit report trying to collect a pay day loan that was a result of identity Theft ( Rise Payday Loan.

I have disputed this numerous of times and it was resolved in XXXX. The Debt Collection Agency again as of XX/XX/XXXX is trying to collect. 

Reference of Older Case in XXXX ( Resolved As Not My Account do to identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NJ

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX 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 2023-09-13 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: NJ

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX ORINGAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief