vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: GA

Complaint narrative:
I have contacted Chime multiple times about a {$350.00} XXXX charge on my account on XX/XX/, to which i didnt recieve my product or a refund. I have evidence from XXXX that they would refund me If i disputed but so far, Chime has not helped me at all and is actively ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX Account XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX A full listing of each of these fraudulent inquiries is below : 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 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 XXXX XXXX XXXX XXXX XXXX The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with XXXX agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXX and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXX and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, 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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, 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:
I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX Account XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX A full listing of each of these fraudulent inquiries is below : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX  The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with XXXX agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXX and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXX and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I contacted Equifax to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I tried to contact transunion to view my credit report because I found out from my other report that it was unauthorized inquiries on my credit report. I am unable to review my report because someone is using my report. They are asking me to verify email XXXX This is not my email! I have found the problem. Why my credit card balance change! Also some has a XXXX  account in my name as well! I need assess to my account to see what is going on!

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T Bank has not provided my 1098 tax form. I reached out by phone and visited a local branch to resolve this issue and as of today, XX/XX/XXXX, I still haven't received the form. Taxes are due in a few days

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, 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:
Personal Statement In XXXX XXXX XXXX when I attempted to apply for credit, I realized that there is Two fraudulent accounts opened under my name from XXXX XXXX XXXX ( ALL of MY personal info was compromised, name address banking info etc. ) The first account is for the amount of {$9800.00} and the second amount is for {$6600.00} once I realize this I filed a dispute with all three credit unions. I then reached out to the XXXX XXXX XXXX personally, and spoke to a representative by the name of XXXX XXXX. I have submitted all the requested documentation to XXXX XXXX to receive a letter of acknowledgment of the fraud incident. my request to have this issue resolved has been unsuccessful with Experian however XXXX and XXXX XXXX has honored my request. This will be my second report to the Federal Trade Commission regarding this matter. as of this date, XXXX XXXX and XXXX have permanently removed and blocked this reports on my credit file based on the grounds of identity theft due to the documentation of letter of acknowledgment from the XXXX XXXX XXXX. Experience, then proceeded to remove correct items on my report, but never removed the fraudulent accounts on my report. This is confusing to me. I have enclosed all the documents that I have sent over to Experian for a dispute that was never honored. 
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
Consumer complaint received 2023-04-15 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: NM

Complaint narrative:
XX/XX/23 XXXX purchase via app. 2 charges- XXXX and XXXX. Filed dispute with Wells Fargo. Given provisional credit XXXX. Wells Fargo completed its review. In spite of me moving to another city Wells Fargo refused to give me the resolution over phone. That is their policy. This did not allow me anytime to plan in case they retracted the credit. After my move I went to a Wells Fargo branch in XXXX XXXX NM and spoke with XXXX. She checked what was done and said the credit would not be retracted on XX/XX/23 the XXXX was taken back out of my account. I am on social security.

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 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Hello, i received a payday loan. I reached out to see if they abide by the military lending act or SCRA to decrease the interest rates of my loan. Advance America told me they do not abide by those laws, however its a federal law so they are obligated to if Im not mistaken.

I got on orders XX/XX/2023 and i would like every payment Ive made since i left on that date to now to be the correct reduced interest rate for the military lending act. Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have held a coin base account for several years now and continued to comply with their TOS the entire time. In particular I even re-upped my KYC requirements prior to tax season these past few weeks. 

On XX/XX/23 I transferred my XXXX XXXX holdings from a separate wallet to the Coinbase wallet and waiting for the funds to make their way there. This morning, XX/XX/23, as the funds showed up in full on the balance, I initiated converting some of the bitcoin cash into ethereum, which was successfully done. When take the XXXX to the other wallet I own ( i.e., off-site from coin base ), my account was blocked. 

No notifications were given for the blocking and all the follow up steps listed on their website continues to say the account was blocked and every usual troubleshoot requires I can access the account in some ways. It is a circle of wanting codes and sign ins to progress in recovering the account that I am unable to initiate because its blocked from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Please reference XXXX I dont know what's going on with your. company but you closed out my complaint for no reason. I advised you guys back in XXXX that this is not my account, I send a letter and go no response back from this company, I even submitted an affidavit and got no reply im asking for a removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
Chase advertised a World of Hyatt Business Card with a specific promotion : Receive double nights for stays at XXXX completed before XX/XX/2022. 

After receiving credit for several stays, I believed the promotion to be working, but for my last stay of the year, which would have qualified me for XXXX status and bonuses worth thousands ( Globalist Status, 2 suite awards, and one free night at a Category 1-7 hotel ), Chase refused to provide credit for the 5 nights completed according to the advertisement. 

Through the Chase rep and their supervisor, they refused to file a request to correct or investigate, and instead sent me to various benefits departments that had nothing to do with Chase, further they explicitly stated this was a XXXX issue. 

Through several XXXX reps, I was finally able to get them to contact someone at Chase, but Chase continuously referred to the Terms and Conditions as to why I didn't qualify but never provided the XXXX XXXX XXXX after several requests. 

Chase 's reason was because I didn't use the specific card the promotion was signed up through, but upon review of my hotel stay, it was done on points ( which qualifies ) and had no accomodation charge which required a credit card. Further, I had several stays which used points or did not use the XXXX XXXX XXXX XXXX card and were credited the double nights. 

After contacting the hotel to have them change the card on file to the World of Hyatt Business card, Chase continued to cite Terms and Conditions and stated that the payment was after XX/XX/2022, therefore it didn't qualify ( the payment was for incidentals, and had no relation to the accomodation ), which is also misleading as the advertisement stated that it was contingent on the stay being completed before XX/XX/2022, not the payment. 

I believe Chase has created a system where they make benefits resolution impossible for consumers, and encourage them to go through so many hoops to receive the benefits they were advertised to receive, so they give up and are successfully defrauded. I believe this is purposeful, and the use of " Terms and Conditions '' without providing official terms and conditions, is also an act of fraud against consumers. 

Further, if this was XXXX 's responsibility, then they have lied to their consumers as well, and did not work with Chase with sufficient due diligence to advertise the offer correctly, or train their agents on how to resolve benefit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I have always paid this bill using my one and only checking account through my debit card. This mounts they changed their payment policy, and bills must be paid via account and routing numbers from this same checking account. When I tried to pay online it claimed that I was entering the wrong numbers, this occurred on XX/XX/23, XX/XX/23, XX/XX/23, and today XX/XX/23. On XX/XX/23 I phoned customer service and they tried doing it manually, still it claimed that I was entering the incorrect number. I explained that I had been paying this bill using the same account throughout the entire time that I have had the account, and that the only difference was I did it through my debit card. They informed me they no longer accept debit or credit cards it had to go through using routing and account numbers. They asked me to call telecheck to see where the problem was. XXXX investigated and said that all of my information was correct and that the problem was on their end. Genesis still wouldnt accept the numbers I was giving them, even though everything on my end was correct.I have over 5 hours in trying to pay this bill. I have never had so much trouble trying to pay a bill. As a result of their incompetence they are charging me a late fee and turning me into the credit collectors. I have been working very hard to improve my credit score, and now they are destroying my 100 % on time payments on my credit report. They refused to accept any other form of payment. I dont even know what to do next. They did mention going somewhere and try to pay through moneygram, but I am currently without transportation. The issue with the checking account is 100 % on their end this has been verified by XXXX and my bank! I really dont know what to do next! I would appreciate any advice you can give me. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
XXXX XXXX and Total Visa are reporting inaccurate and incomplete information on my consumer report. I have disputed with the all 3 credit reporting agencies in XXXX XXXX XXXX and the erroneous information has been verified as accurate on both accounts. I have attached my intent to file arbitration letter per XXXX XXXX ' and Total Visa 's contract. The letters have also been sent certified mail to XXXX XXXX and Total Visa to serve as notice of my intent to file a demand for arbitration.

Company response to consumer: Closed with explanation