vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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:
Please XXXX correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. 

Accounts Account numbers 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a new FIFTH THIRD MOMENTUM SAVINGS and CHECKING accounts on XX/XX/XXXX. 
Link for the promotion https : //www.53.com/content/fifth-third/en/mkg/checking-offer.html To qualify for the {$350.00} checking bonus, provide the offer code, open a Fifth Third Momentum Checking, or Preferred2 checking account by XX/XX/XXXX and make direct deposits totaling {$500.00} or more within 90 days of account opening. 

I made multiple direct deposits totaling {$500.00} or more within 90 days of account opening. 
I never received the {$350.00} bonus within 10 business days of completing the qualifying activity requirements. 
I contacted FIFTH THIRD bank on XXXX about the promotion and they refused to honor the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 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: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in 2007. I want these accounts removed from my credit profiles because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a XXXX XXXX member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, XXXX returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my XXXX account was paid in full. During this time, XXXX Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on XXXX 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my XXXX XXXX by more than XXXX points overnight. 

I contacted XXXX Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. XXXX refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not XXXX. I changed my address with XXXX XXXX and the post office in XX/XX/XXXX when I moved. XXXX XXXX told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with XXXX XXXX Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on XXXX XXXX Services. I will never recommend XXXX XXXX or XXXX to anyone. Please share this with anyone wanting to shop at XXXX for XXXX. Help me fight back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX Chase Bank for Declining Dispute of Fraudulent Charge ( Case Number : C # XXXX # XXXX ) To Whom It May Concern, I am writing to submit a formal complaint against Chase Bank regarding their handling of a fraudulent charge dispute, referenced by the case number C # XXXX # XXXX. My numerous attempts to resolve this matter directly with Chase Bank have been fruitless, and I seek the assistance of the Consumer Financial Protection Bureau in this regard. 
On XX/XX/2023, I encountered a fraudulent charge scenario while booking accommodation through XXXX. During a search for a villa in XXXX, I was led to a listing by an unknown individual in a group chat. The villa was advertised at approximately {$23.00} per night. Believing this to be a fair price, I proceeded to book the villa for a total of 4 nights. However, upon completing the booking process, I was unexpectedly charged a total of {$490.00}, a stark discrepancy from the initially advertised rate. Alarmed by this significant overcharge, I immediately reached out to Chase Bank to dispute the transaction. A representative from the bank provided reassurance that the matter would be addressed once the transaction moved from pending to posted. However, this promise was unfortunately not fulfilled. 
Upon returning from my trip, I discovered the charge remained unaltered. My continued efforts to engage Chase Bank, including detailed written communications and the provision of supporting evidence, have been met with consistent denials. The bank has unjustly relied on the propertys cancellation policy, neglecting the fraudulent basis of the charge. 
On XX/XX/2023, I received a communication from Chase Bank asserting the legitimacy of the transaction, thereby disregarding its fraudulent nature. This response is not only unsatisfactory but also indicative of a severe lack of client protection and service. 
I emphasize that I did not utilize the services of the villa in question, as substantiated by the attached proof of my communication with them regarding a refund and cancellation. 
Therefore, I respectfully request your intervention in this matter. I am seeking a full refund of the disputed amount of {$490.00}, including any related interest charges. 
I consent to the CFPB sharing this complaint with Chase Bank for their response. 
I appreciate your prompt attention to this matter and look forward to your support in resolving this issue. I am ready to provide any additional documentation required to substantiate my claim. 
Thank you for your consideration. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding LLC HAS reported my address is XXXX XXXX XXXX XXXX I have never resided there and I have proof of reports with my mail being directed there with my authorization and me paying to fix it to the correct address Ive disputed there information and they refuse to remove it they are reporting false reports on my credit report resulting in derogatory marks and comments I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I have no knowledge of this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The American Express eGift Card is declined online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BOA Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested one of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call Bank of America credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for three months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from 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 non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello, I contacted Navient previously see complaint # XXXX. I attempted to call them and make arrangements several times ; however, their customer service agent or loan servicer " XXXX '' yells and talks over me, threatens, accuses me of giving Navient " bad checks. '' Its horrible, its abusive. I will not talk to him and Navient has set up when I call that he is the ONLY person that I speak to. I truly want to get this straightened out, and I have been attempting. I am attaching the letter I got from XXXX explaining that the checking account I HAD did not allow certain transactions that I was completely unaware of. That account has been closed and I have a new account. Navient was not my only error in this. So XXXX can get some help for his abusive presentation with customers. This company calls at least XXXX to 5 times a day, up until exactly XXXX, they call on Sundays too. For me to speak with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
After noticing fraudulent charges on my account I spoke with a banker on the phone and they started a claim. These were for charges from XXXX and I e never had an XXXX as well as other online charges of services like payments over time that I've never used or never been familiar or know how to use. I wasn't even able to log in and check my online banking until a few weeks ago when my daughter showed me. This is after multiple attempts for them to show me how to use the online banking. They were always busy or required an appointment. 
After filing the claim I filed a police report over the fraudulent claims. I was assured by the banker I would be credited the money on the charges within ten business days. The only ones he wasn't sure would be refunded were the ones over 90 days old. Ten business days passed and nothing happened no word no credit. It was nearly 3 weeks that I called and told my claim was denied and nothing would be credited and nothing else could be done or appealed over the charges I never made. I feel taken advantage of and stolen from and the bank promises to protect from fraud and they just say denied and nothing further can be done. It's not right. I'm XXXX XXXX XXXX and never thought the banks could let your money be stolen and say too bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: PA

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/2023 : I contacted all three agencies Equifax, XXXX and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: DISCOVER BANK
State: MD

Complaint narrative:
Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Self Financial Inc.
State: MD

Complaint narrative:
Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Recovery Service Incorporated
State: NJ

Complaint narrative:
I have been receiving non stop calls multiple times a day and non stop emails from ARSI I dont know them or how they got my email. I clicked on their link and requested a validation of debt a week ago before the holiday. They still have not sent me validation of debt instead they keep calling me and emailing me harassing me for money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NC

Complaint narrative:
account # XXXX XXXX XXXX XXXX " 45 days ago I ask to the credit bureau to do an investigation. they said it was verified. 
but after doing my own investigation I saw they did not. 
delete this charge off for inaccuracy because the date of last payment reports XX/XX/ on transunion, XX/XX/ on XXXX, and XX/XX/ on XXXX. 

thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: NV

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: LEXISNEXIS
State: TX

Complaint narrative:
These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in XXXX. I want these accounts removed from my credit profiles because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in XXXX. I want these accounts removed from my credit profiles because they are not mine.

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