vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
XX/XX/XXXX I have noticed my wallet was missing. I filed it with XXXX airport authority department as soon as I've noticed. See screenshots attached with this complaint. 

XX/XX/XXXX I have reported my card was stolen/lost at XXXX airport . I have filed with Venmo as soon as we have landed. Because of the area I was not allowed to make calls on my regular phone calls. 

ALL Charges starting on XX/XX/XXXX listed below are fraudulent charges and should've been flagged as fraud. I have reports attached for review. It was reported to the appropriate departments at XXXX airport, XXXX, Florida. Charges below are not made by me or anyone I know. I have lost my physical card and do not have access to it. Any charges incurred under this card after the date of are on the virtual card and they were recurring subscription charges from the previous card number. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$75.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$87.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} Total {$3300.00} In the statement PDF those charges in questions are also highlighted incase you need a 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 monetary relief
Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
On XX/XX/year> I made payment to my American Express card. Four days later I received an alert in the app stating my payment was returned, due to my bank account not being found. I immediately re entered banking info on the app made the payment again, and contacted Amex support. The first representative I spoke with told me that my payment was rejected because my routing number was incorrect, when they confirmed the number with me, it was in fact the correct information, so I told them I would call my bank and figure out what happened. After calling my bank I was informed it was rejected because Amex sent the payment through as coming from my savings account instead of my checking. I contacted Amex a second time to explain what the bank said, the representative I spoke to this time stated my payment was returned for insufficient funds not due to incorrect info which is not true as the bank already clarified what actually happened, at this point I asked to speak to a supervisor as well was not going to pay an extra fee due to there employees mistakes, the supervisor refused to assist me with the fees, blamed me for your companys mistake and than refused to provide contact information for either his direct supervisor or the corporate office, refused to provide his ID number, and tried to tell me corporate office doesnt have a phone numbers, as far as I am concerned that employee whose name was XXXX XXXX ( he claimed to be the chat supervisor ) needs to be fired immediately. He refused to address the employees lying to me, refused to provide his id number and refused to provide contact info to escalate the matter, this is who is representing your company. I have never made a late or missed payment on my credit cards in over 10 years, and I do not intend to start now. I have been charged a XXXX dollar fee due to Amexs error, I have been lied to by three different representatives, I have been slandered, and disrespected by their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 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: IL

Complaint narrative:
MOHELA has moved to a new platform that has major bugs. Namely, I am unable to increase the amount of my Auto Pay above the minimum payment. This is impacting my ability to repay the loan faster and save on interest. I attempted to report this bug via MOHELA 's " Contact Us '' form and ... that was also broken! The form does not submit after you click 'send ', so there's no way to let them know that one of their site 's main functions does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: MI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' XXXX the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian are not maintaining reasonable procedures.

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 2024-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent inquires that I did not originate, and need to be deleted immediately. It is my understanding that pursuant to 15 USC 1681c-2 these inquiries must be deleted from my consumer report. 

Please attached Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: NJ

Complaint narrative:
I received an American Express eGift Card for {$150.00}. I can not use it for any retailer, it is declined everywhere. After researching this issue, I have found this is a common problem. American Express Prepaid cards appear to be a huge scam and should be fined or closed down. Every retailer seems to have this type of prepaid card blocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2024-08-23 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: SC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: MO

Complaint narrative:
On my credit report there is a collections account listed under XXXX XXXX XXXX XXXX XXXX Based on the account information listed it states that I owed the XXXX XXXX XXXX XXXX XXXX$2200.00}. Now I am never attended the XXXX XXXX XXXX XXXX or took any classes there. So, there is no way that I can owe XXXX any money. I disputed this information with the credit bureaus and asked them to provide to me there methods of verification to which they have refused to do so. This request was made more than a month ago through the CFPB portal and to this date they have failed to do so which is a violations of my rights under the Fair Credit Reporting Act as the law clearly states that the credit bureau should provide me with such information within 15 days of my request. If the credit fails to provide the information requested then such information should be deleted from my credit report. 
They have failed to provide me with there method of verification as it pertains to the account called XXXX been reported on my credit report. Due to the violation I can seek damages in a court of law for violating the fair credit report act. I recently filed a fraud affidavit with the Federal Trade Corporation so that this matter can be resolved.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On my credit report there is a collections account listed under XXXX XXXX XXXX XXXX XXXX. Based on the account information listed it states that I owed the XXXX XXXX XXXXXXXX XXXX XXXX$2200.00}. Now I am never attended the XXXX XXXX XXXX XXXX or took any classes there. So, there is no way that I can owe XXXX any money. I disputed this information with the credit bureaus and asked them to provide to me there methods of verification to which they have refused to do so. This request was made more than a month ago through the CFPB portal and to this date they have failed to do so which is a violations of my rights under the Fair Credit Reporting Act as the law clearly states that the credit bureau should provide me with such information within 15 days of my request. If the credit fails to provide the information requested then such information should be deleted from my credit report. 
They have failed to provide me with there method of verification as it pertains to the account called XXXX been reported on my credit report. Due to the violation I can seek damages in a court of law for violating the fair credit report act. I recently filed a fraud affidavit with the Federal Trade Corporation so that this matter can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I've been having a very difficult time after my father XXXX XXXX its been very hard on me financially at the present time I'm also XXXX I've trying to explain this to my mortgage company I requested a mortgage assistance for my payments they have not responded I need my mortgage payments lowered to something I can afford to make please I need your assistance in dealing with my mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
On XX/XX/XXXX th I received online message work from that time to XX/XX/XXXX total I deposited {$48000.00} try to get the job completed but at the end of XXXX XXXX XXXX I realized that I have job scammed. I am not returning any money of online job platform - XXXX XXXX XXXXXXXXXXXX XXXX XXXX  That time i immediately contact to bank Wells Fargo and request them to disputed they are not disputed this charge ( temporarily ). I filed a claim. After 5 days they send me a letter this is authorized transection, they deny the claim. I know this is authorized but this is push authorized transection by scammer. After 1 week I submitted all the document to bank ( FBI / IC3 complaint copy, FTC complain letter, XXXX XXXX  investigation report, letter from attorney general from Texas ) that the transection is fraudulent and I have nothing return. I am calling every day to bank for reopen the case and do throw investigation and help me to back my money which made by my debit card. But they didnt listen to me. I am helpless. Need help. This is absolutely fraud case. Please contact my bank Wells Fargo and resolve this issue.

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 2024-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmeriCollect
State: IL

Complaint narrative:
MY DISPUTE LETTER ASK FOR VALIDATION. A SIGNED CONTRACT WITH MY NAME. NOT A ITEMIZED STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
Im getting alerts telling me my score dropped. When I go look at my reports my balance is all wrong

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im getting alerts telling me my score dropped. When I go look at my reports my balance is all wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im getting alerts telling me my score dropped. When I go look at my reports my balance is all wrong

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 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
All the information is in the attached PDF - but in brief I received an email supposedly from XXXX XXXX stating there were fraudulent charges on my XXXX account. They wanted to refund {$900.00}. They sent me an online form to submit a refund request. Apparently a computer expert later found that there was imbedded code on the form ( unbeknownst to me ) that allowed them remote access into my online banking. They then said they accidentally deposited {$9000.00} into my account and they could not reverse transaction and I would need to send them {$8100.00}. I checked my account and sure enough there was a {$9000.00} deposit, I did not discover till hours later that the deposit was actually a transfer from my own HELOC into my checking. So thinking it was a XXXX deposit, I went to bank and withdrew the {$8100.00}. They instructed me to transfer this via a XXXX XXXX. Immediately upon returning home, I finally realized this seemed ridiculous and I contacted my bank and they opened a fraud investigation, Additionally I made a police report, froze my account in all XXXX credit agencies, changed my banking passwords and added multi faceted identification for login. Bank planned to reassign a number to my HELOC ( which was not completed until 12 days later. 
I also closed my XXXX account, submitted a fraud claim to XXXX XXXX and the XXXX XXXX XXXX XXXX stated they would forward info to XXXX XXXX. 
I received a letter from bank on XX/XX/year> but dated XX/XX/year> saying 'since I personally benefitted from transaction, claim was denied!!! 
I resubmitted claim for reconsideration after faxing all the information in the attached PDF. they confirmed they received the faxed documents but immediately denied the claim which leads me to believe they did not even review the faxed material.

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