vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I placed an order with samsung.com specifically because Chase had an offer on my freedom card ending in XXXX advertising 20 % off any orders made before XX/XX/XXXX, the expiration date. 

I placed the order on XXXX  on XX/XX/XXXX ( see receipt ), but due to delays on XXXX 's end, the item was not shipped until XX/XX/XXXX, and the transaction was pending all the way up to XX/XX/XXXX when it was finally posted by Chase. Because of the delay, Chase is refusing to offer the falsely advertised 20 % off despite the FAQ of their ChaseOffers stating " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers XXXX. The offer should appear as redeemed within 14 business days after the transaction post date. '' This language in their FAQ is the only reason I placed the order expecting the offer to be applied, but they are refusing to honor their advertised offer. I have escalated twice to Chase customer service and have been denied, their reps cited completely different reasons each time about the shipping date, pending date, and transaction date. The offer language by all common sense is being marketed and advertised the consumer should place the order before the expiration date, as my receipt below confirms I did

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victims of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in process f buying a home for my family. Please removed these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-16 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
NOT MINE OR NO KNOWLEDGE OF ACCOUNT I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: WA

Complaint narrative:
In early XX/XX/XXXX, Mohela stated that payments will not be due until after XX/XX/XXXX... And the months from XXXX through XX/XX/XXXX will count toward income driven repayment forgiveness and Public Service Loan Forgiveness assuming all other requirements are met. My employer certified my employment on XX/XX/XXXX. However, the XXXX payment is marked as ineligible because deferment of forbearance exist for the period. 

This is contrary to the message they sent. As of XX/XX/XXXX, according to Mohela I am 4 payments away from full filling the 120 payments needed for PSLF forgiveness. If XXXX payment is correctly applied, it should show that I am 3 payments way from PSLF forgiveness. 

This issue is time sensitive. Once I make the XX/XX/XXXX payment and have my current employer certify my employment in XX/XX/XXXX, I will have full filled my 120 payments for forgiveness. If this issue is not resolved, it would add one additional month of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX - During the Suntrust and BB & T merger, my contact info was lost on my loan account, resulting in negative credit marks. 

On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. Truist only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. 

In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes XXXX days that the issue is handed over to a different department that Truist finds my phone number. I have a total of XXXX Truist accounts, I have banked and have had a Mortgage with Suntrust for XXXX years, and have never had these issues until the merger. 

I currently have XXXX mortgage accounts and XXXX HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, Truist keeps losing my account contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please see attached file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has denied me a total of XXXX loans with no reason given other than " whatever XXXX is sending us back is the reason why your loans keep being denied. '' Navy Federal Credit Union is in collusion with XXXX to deny majority XXXX members mortgage and personal emergency loans. 

It is public knowledge that XXXX has been sued for causing tenants and potential homeowners to be denied housing. 

I believe I am also being denied housing directly due to the illegal behaviors of Navy Federal Credit Union in collusion with 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: VA

Complaint narrative:
1 ) XXXX 's bill or rights ( XXXX XXXX XXXX ) states that they will ensure a customer is " not responsible ... for products or services that [ they ] did not receive. '' 2 ) I never received the products for which this 3rd party loan was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I made a purchase from XXXX on XX/XX/23 for XXXX. These were wedding clothes, and the intention had been to return anything not needed. The merchant ended up banning my account before the purchase was delivered. No return slip was included. I was unable to access my account or speak to XXXX in any way, as they require logging in to use the chat feature, I was not able to initiate a return. Ive continually explained this exact situation to Goldman Sachss. Ive sent them screenshots of my account ban, which prevents my access to the site, and they have told me that this isnt valid documentation. They have denied my dispute claiming I have provided no documentation for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
A USAA 0 % promotion was offered and received on XX/XX/XXXX, with a 3 % balance transfer fee. Recurring bills did not stop as expected first month and higher interest occurred on those balances. Payments and credits were made above purchase and minimum payment requirements each month. The next month 0 % promotional balance dropped over XXXX and higher interest balance increased over XXXX. Minimum payment due was XXXX on USAA App and two places on page 1 at top of statement. When I asked where and how my payments were applied, Agent told me it is not documented but any where USAA wants it to go. I said well how will the higher interest balance ever be paid down. 
Also the USAA Agent revealed on the USAA statement buried at the bottom on page 4, next to last paragraph, there is a statement which reveals a higher minimum payment due than on the three places mentioned above.This is very important payment information that contradicts 3 other documents, can cause fees and should not be buried behind less important info.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the unverified and fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Federal law protects the privacy of my personal information. In order for ChexSystems to be sharing my personal information to any third party, they need to have consent from me. I never gave them consent to be sharing my information to any third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc.
State: DE

Complaint narrative:
I have no legal contract with this company I'm requesting for a signature stating I owe this alleged debt. This company also placed a collection on my credit report without written permission and permissible purpose this is a violation of my consumer rights.

Please see attachments below

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My PNC credit card was used fraudulently when I was away from the United States. I was out of the United States between XX/XX/XXXX to XXXX. I was in XXXX, XXXX with my family. I parked my car to valet and the valet had access to my car. My several credit cards were in my car as well as my US Phone. When I was away, my credit card was used fraudulently, and online banking/ and several SMS confirmations were made with my US Phone. Then I realized the person who made these purchases. All the other credit card companies were able to get security cameras etc from the merchants and caught the guy. His name is XXXX but used a fake name called XXXX, The PNC fraud team accused me of lying and closed my credit card. I do not deserve this kind of behavior. I have all the evidence and the proof but the lady who had my case even did not care to ask for any evidence. I have all the evidence that I was not in the USA + my case to the valet + reports etc. Let 's say you deny the case, I do not deserve my credit card to be closed. I put all my cards in my safe now and I will be careful next time not to trust strangers. Please reinstate my account and approve or deny the fraud claim, Doesnt matter because the amount is small. Please reinstate the account, so that I can use the card frequently and have a better relationship with PNC. Please trust and believe me. I want justice. Do not be biased. Please.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TRANSUNION REPORT ONE OF MY XXXX CREDIT CARD OVER THE LIMIT WICH IS NOT TRUE AND MYU SCORE WENT DOWNED XXXX POINT. I CALLED TRANSUNION CUSTOMER SERVICE AND THEY SAID THAT XXXX XXXX  XXXX ACCT CREDIT CARD ENDING XXXX IS OVER XXXX AND THAT IS NO TRUE THE ACCT IN QUESTION BALANCE IS XXXX WHICH LEFT ME WITH XXXX AVAILABLE TO USE. HERE IS XXXX XXXX  XXXX XXXX FOR YOU TO VERIFIER WHAT I SAID. I NEED TRANSUNION TO STOP TARGET ME AND GIVE THE XXXX POINTS BACK TO MY SCORE.ANY FUTHER DOCS YOU NEED DON'T HESITATE TO CONTACT ME PLEASE. 


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 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
A company called Phoenix financial services put on my credit report a balance of {$3200.00} for an ambulance ride for XXXX XXXX in California during 2020. I submitted a dispute to them, included proof that I lived in Oklahoma during that time, and that that is not my debt, and they refuse to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: LEXISNEXIS
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have 2 unauthorized transactions to an unknown individual/entity. Both for {$2500.00} via XXXX on XX/XX/XXXX4 and XX/XX/XXXX. I did not receive notification of both transactions and noticed only when logging into my account. I called the Bank of America fraud department on XX/XX/XXXX and reported both unauthorized transactions. A case was opened up ( case # XXXX ) and I was advised to create a new checking account, which I did and reset my online banking password, which I also did. I just want to make sure the chargeback is successful to get my funds totaling {$5000.00} reimbursed into my account. 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