vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I previously contacted Navy Federal Credit Union for charges with XXXX and XXXX XXXX  between the end of XXXX and the beginning of XXXX. I did not make any of these purchases. I had my card in my possession at the time of the purchases and I never authorized anyone to use them. I have never made purchases or ordered services with XXXX or XXXX XXXX I was initially issued credits for the transactions and my card number was replaced. I was notified the next day that additional attempts had been made using the card and they would be included in the fraud investigation. To my surprise on XX/XX/XXXX, I was recharged for the transactions and no clear information was provided to me as to why. I was sent an email from a representative advising if I wanted to have the charges reviewed, I would need to do so in writing. I am truly disappointed to be treated this way by an institution that I had so much trust in. I paid the balance of the transactions today to stop my credit reporting from being impacted by charges I did not make. The representatives were unhelpful in attempting to resolve my concerns. This is an unacceptable practice to hold a consumer responsible for fraudulent transactions. It was then told to me to explain how someone may have gotten access to my card information. With a world where cyber fraud happens every day, its disheartening to expect the consumer to explain how fraudsters may have gotten access to my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 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 — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/2022 I believed I was purchasing one bottle of ACV+Keto from XXXX for {$6.00}, which was advertised. I clicked on the link from XXXX and was taken to the site where it asked if I wanted to purchase one bottle for shipping and handling. I clicked yes, then asked if I wanted to add more bottles I clicked no. Next thing I know I received an alert for a purchase from my Chime app and I looked at it and seen {$190.00} was charged to my card. I immediately tried finding the phone number for the company and it was very difficult finding contact information. So I contacted Chime right away and told them I was charged incorrectly. Chime opened a dispute. XXXX Chime emailed me stating there was no billing error and I would be responsible for the {$190.00} charged. On XX/XX/2022 I forwarded to Chime the email I received from this company after emailing 2 companies I thought could be the one that incorrectly charged me. I called Chime on XX/XX/2022 to see why dispute was denied and I was told by the agent it was incorrectly closed for receiving incorrect product. I never received a receipt from this company that charged me incorrectly. I just received another email from Chime XX/XX/2022 " We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed. '' I know I was charged incorrectly, never received a receipt, have not received any product, and I feel the decision Chime has made is incorrect and I do not owe {$190.00} for bottles of a supplement I did not want. I was willing to pay {$6.00} for one bottle that was advertised. There was no checkout page on this company 's website for me to even be given a chance to back out of buying anything. This is a scam and the financial institution I trusted to protect me and my money has not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting at XXXX Account XXXX XXXX XXXX loan has violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I tried to pay a security camera installer with XXXX. I never had any problem before but it didnt go through this time even I put him in my contact beforehand. Its been pending over a month and weve been called Citibank more than 15 times but they say theres nothing they can do or no specific reason. Today finally I got a person in charge with XXXX and she asked me what your case number is. She was saying the compliance team was supposed to email me about it. Nobody emailed or called us to explain whats happening our XXXX payment. Im afraid that our installer might sue us for this.

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 2022-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
This account does not belong to me. I have been fighting this account for one year. I got a letter from them stating this account doesn't belong to me. I have had issues and when you call and talk to them no one knows what they are doing. I have supplied all documents and until this day there is no proof of any signatures or any contracts. They had blocked this off from my bureau now once again it's on my credit I have a letter from them date XX/XX/2022. How is this possible that I'm being harassed to pay a debt I'm not responsible for?? I will file a XXXX complaint this is costing me a lot and at this point no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Service Finance Holdings, LLC
State: MI

Complaint narrative:
I needed to finance a home improvement project. I had told the company who was going to do the project for me that my spouse already had a loan through service finance. The company itself and their service finance agent, were not aware that service finance only finances one project per house hold and not per SSN. Therefore, my application was declined. 
I understand mistakes happen, but since i had not fault in this whole thing I would like to dispute this hard inquiry on my credit report with all credit Bureaus. I have an excellent credit and i work hard to keep it perfect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: VANDERBILT MORTGAGE & FINANCE, INC
State: OH

Complaint narrative:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit

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 2022-07-18 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: American First Finance, Inc.
State: OH

Complaint narrative:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I have received numerous emails from citi regarding payment on my citi diamond preferred credit card. The frustration becomes unbearable when these jerks at citi not only send email after email " reminding '' me of payment due but continue to send these when the payment for XXXX has not only been made but has been received by them. On Thursday XXXX XX/XX/XXXX, I submitted payment via electronic funds transfer through my XXXX XXXX checking account, ( of which I have the proof of payment in my possession at this time ). A payment of {$110.00} was submitted on XX/XX/XXXX and was received by citi on Friday XX/XX/XXXX, ( incidentally, the previous 4 payments have been made without incident this way ). I accessed my citi account this evening on line, and it shows no record of payment, only a message that my payment is due in 2 days!! The jerks at citi are nothing but thieves and liars, in addition they take pleasure in harrassing me even when I have made not only all past payment but the current payment that's due for 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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
When purchasing my home in XXXX XXXX XXXX, I made an over payment to the escrow of {$2600.00} due to an error made by US Bank home mortgage. I received letters from the bank stating a refund check was sent for this over payment, but have never received that check. I have been assured on 4 separate occasions, in XXXX XXXX  XXXX, XXXX of XXXX, XXXX of XXXX and in XXXX of XXXX that this payment was being sent to me. The bank now claims that there is an escrow analysis and they can not send the over payment until that has completed. They also stated that on all of the other calls in which I was assured this check was sent that their representatives errors stoped it from being sent. 

Considering I have been owed this refund, and attempting to collect this payment for the last year, this would seem unethical, and not in fair dealing. 

I am not getting any interest on these funds and have been lied to or facts have been misrepresented on many occasions for the past year about this issue. I went as far as filing a complaint with USPS after assuming they ( US Bank ) had sent it again and it still wasnt delivered. Today, the representative told me they still had not re-sent the check in any of those instances, and now could not send it since the escrow analysis was pending again.

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 2022-07-18 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this 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 explanation
Consumer complaint received 2022-07-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express has informed us they have had payment problems, including a letter mailed to our home about the problems dated XX/XX/XXXX. ( I will attach this document. ) Despite that, they keep telling us our payment is past due and they are threatening to send us to collections. 
We paid AmEx bill via our XXXX bank on XX/XX/2022. We have proof of this and have shared it with AmEx. We paid more than the full amount due and they claim they can't see the payment even though it is clear on XXXX ' side that the money went to AmEx. 
We have called three times and have gotten no where with the company. We asked to speak with a supervisor the last two times, and the latest time ( tonight at XXXX XXXX XXXX ), they said they were too busy and the supervisor would call us back. 
The last supervisor said we talked to said we could resolve this by wiring even more money to AmEx via our XXXX account ; but we don't want to send anymore money to the black hole that is AmEx 's payment system. 
All the folks we've spoken to there say they can't do anything about this until their system is fixed, and say we " probably '' won't be liable for fees, interested etc. But no one would put this in writing in an email..and if they send us to collections, we will suffer the ramifications of that. 
Corporate America, whether it be greedy credit card companies, airlines, etc., seem emboldened to not care about consumers and enrich their executives. We need the FTC and politicians to step in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX shows a credit score of XXXX Equifax shows a credit score of XXXX There is no way to dispute the score from Equifax. I have logged on to their site and it will not explain why the score was dropped. There is a big difference between the two scores and I would like this resolved. My credit score has historically been really good and I want to keep it that way, so the drop in score will help me who runs a small business. 

Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: OR

Complaint narrative:
All Tran financial Called and told my family member to call them and told them how much I owed. They violated my confidentiality by tell other people how much I owed.

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 2022-07-18 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
COMENITYCB/XXXX Miscellaneous Department and XXXX XXXX XX/XX/2022 XXXX On XX/XX/2022 Comenity Bank XXXX XXXX Credit Card made an UNAUTHORIZED and UNLAWFUL hard inquiry into my XXXX Credit File. 

My Comenity Bank / XXXX Credit Card was defaulted years ago and was previously sold by Comenity Bank to a 3rd Party Debt Collector. Now, as a result of the sale Comenity Bank does NOT have a permissible purpose for making a hard inquiry into my XXXX Credit File. This hard inquiry into my XXXX Credit File is harassment, ILLEGAL, and is apparently intended by Comenity Bank to lower my credit score and to cause a hardship for me when I am attempting to obtain credit, housing or employment. 

Comenity Bank must REMOVE the inquiry dated XX/XX/2022 from my XXXX Credit file as it did NOT have a permissible purpose to inquire about a previously defaulted debt which it had previously SOLD to a 3rd Party Collection Agency. This debt no longer belongs to Comenity Bank, and the inquiry must be removed immediately or I will be forced to file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
in accordance with the Fair Credit reporting act XXXX Account # s account # XXXX account # XXXX has violated my rights. 


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 consumer reporting agency can not furnish a coount without my written instructions

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 2022-07-18 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: TX

Complaint narrative:
in accordance with the Fair Credit reporting act XXXX Account # s account # XXXX account # XXXX has violated my rights. 


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 consumer reporting agency can not furnish a coount without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights. 


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

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 2022-07-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}

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 2022-07-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is in regard to my business credit card ending in XXXX with American Express. 

I had an Amex offer which asked me to spend {$1000.00} to get {$300.00} cashback on AmexTravel.com Despite spending this amount, i did not get the cashback. I filed an escalation which was resolved without talking to me. 

The reason for denial is stated as " The transaction was done on amextravel.com '', as demonstrated in the attachment those were literally the terms in the title of the offer. 

I understand Amex made a mistake in mismatching the terms in title and fine print, however as a customer, I should not be made to suffer for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and harm three credit reporting agencies have density delete this account : US DEPT OF ED/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