vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
In XXXX of 2023, I realized my renewal card was sent to an old address. I called XXXX XXXX card services abt my Milestone account that ends in XXXX. They updated my address/ sent new card, but then blocked my account for fraud activities. I called them, genesis/milestone wanted me to fax my ID. I informed them that I do not have access to a fax. I asked them to provide an email so I can update my ID/ prove who I am. They said they dont have email. They blocked my card ( which is fine ) they blocked my access to my account online so XXXX cant access the account or make payments on my account. Today, I requested that they mail me statements so I can see my acct activity. They refuse. They are reporting late payments to my credit bureau and charging late fees, but are not providing me with a monthly statement. They said my statements are emailed to me- Which is not true. I get an email reminder to login to my online account to make a payment. I can not login to my online account because access has been restricted. Ive called XXXX times between XX/XX/2023 and today, XX/XX/2023 asking for a statement of account. I told them to keep my card off ( because I cant fax them my ID ) but please provide a monthly statement so I can pay my card balance off and see the payments posted etc. They refuse to provide me with any monthly statements. They are not emailing me my statements. But they are reporting on my consumer report. today I talked to XXXX who closed my account/ told me my balance/ but still refused to provide a statement of account. They have charged me an annual fee of over XXXX $ even though I can not use the account. Im trying to resolve this situation and pay off the balance but its been a struggle. I just want a statement of account and to pay the balance off. The kicker : I have an Indigo card with Genesis/ XXXX XXXXXXXX and my address is correct on that account and I can use that card just fine. I can access that account online without any issues so they can clearly see that there is nothing fraudulent going on. Im not even using either card, just paying off balances. They could verify my address on my other account and just mail my statements to me. I havent seen an account billing statement since XXXX of 2023 but Im expected to make payments. Im not sure what Im paying. Am I over paying? Are they charging me fees that I dont know about. Please assist in getting this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-09-27 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: NV

Complaint narrative:
Inquiry is not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
on XXXX there was an unauthorized charge that attempted to clear my bank account from an old debit card tied my checking account in the amount of {$500.00}. The card that was tried to use ends in XXXX. That card was deactivated several months ago and I have a new card for that account that ends in XXXX. However, even though that card is deactivated, the charge was billed as a reoccurring charge, therefor they could of taken the money out of my account anyway. If I would of had funds in the bank account then that charge of {$500.00} would of cleared and I would be out that amount. 

The company that tried to make the charge is tXXXX XXXX XXXX. If you XXXX that name alof of people have been scammed by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have attempted to have repayment plans with Navient multiple times now. I was on an auto payment plan with Navient that was charging up to XXXX a month. I begged them for lower but they refused. My payments suddenly stopped in XXXX of XXXX. I called them in XXXX when I noticed. They claimed in XXXX that I am under a " emergency forebearance ''. There is no emergency in my area or my co-signers area. The caller refused to explain or remove the forebearance. I told her I just want to make my monthly payments. She said she would get it removed. She told me everything with my payment plan was fine. One month later, no payment is processed again. I called Navient XX/XX/XXXX. I spoke to another person who claims I have no payment plan and my payment isnt due until XXXX. I asked her to explain to me why my payment plan stopped and she won't give any information. 

I received a letter in the mail that said the forebearance was gone so my payment plan should resume. She says I can't be on the same payment plan for XXXX because of my " credit ''. I asked her multiple times to explain this to me specifically. My credit score is fair. She demands I have to now pay XXXX a month. I asked her again why cant I pay what I have been paying. She keeps claiming " credit '' but refuses to explain. I asked to speak to someone else because she is refusing to help me. She brings on someone else who tells me that they have no obligation to help me, work with me or to try to help me lower my payments. She refused to explain why my payment changed from XXXX in XXXX to now them wanting XXXX dollars. She told me to have a good day so I hung up. I don't understand what happened, what changed and why wouldn't they just continue my same plan? Why is it unreasonable for me to call and ask? I had been paying them on time every month since then. Now because my jump in payments I am behind. I went onto Navient 's website and they had a repayment plan for XXXX. This is cheaper than what she even said. None of this makes any sense, this company is completely disorganized. 

I am on XXXX for XXXX and get one paycheck a month. I don't understand why they can't work with me and allow me to continue paying XXXX a month and they refused to explain it to me over the phone or in writing. Instead, they not only refuse me, but gaslight me then insult me and make me even more concerned. Unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
XX/XX/XXXX Indiana stated that the amount that Old National Bank provided on my XXXX Form XXXX did not match the tax payments they received. My XXXX form shows {$2000.00} was filed with Indiana, however Indiana states they only received {$340.00} of those payments. 

I called Old National on XX/XX/XXXX and was informed that they merged with First Midwest Bank ( who used to make my pension payments ). Old National decided to merge the state ID 's so that the retiree only received XXXX XXXX form. 

Originally, Old National Bank tried telling me that it's not their problem. However, they quickly realized it was because I couldn't prove they sent the money. 

I have been in contact several times with only a response that they are working on it. My last request for an update was on XX/XX/XXXX. I requested the steps taken and where they stand in the process. I have yet to get a response. 

Personally, I believe they should pay me the {$1700.00} due until they get their issue straightened out with the Indiana department of revenue. 

Supposedly, I'm the only person in all of the Ironworkers Pension payments they make that this has happened to. If that's the case, I'm really concerned with what has happened with my money. 

I was also told by an Indiana Department of Revenue that this bank was being looked at. They also told me that they do not have this amount on the XXXX file from Old National. they say it only shows the {$340.00}, not the total deducted. I also shared this information with XXXX XXXX at Old National.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have a consumer credit card with XXXX. I have had the card since XXXX. 

I received an invalid interest charge on XXXX XX/XX/XXXX in the amount of {$3.00}. According to the terms and conditions of the credit card agreement, there is no interest charge when the balance is paid in full by the due date. In this particular case, I paid more than the balance due, yet I was incorrectly charged interest. 

The company indicated that when paying more that the balance due, a technical error in their system improperly charges an interest fee. The bank reversed the charge, however, the bank did not provide a long-term solution to the problem. I have just now reviewed prior statements and determined that there are more charges that have not been refunded. 

I would like to report the company for failing to comply with their own terms and conditions related to interest charges. I do not think the burden of interest fee compliance should be on the consumer especially with a known technical 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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX Americna express account unopened XXXX XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry 

I contacted and froze all credit Burroughs and started disputes 
Contacted all creditors and reported fraud 
I also got XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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. section 1681 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 non-monetary relief
Consumer complaint received 2023-09-27 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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. section 1681 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 non-monetary relief
Consumer complaint received 2023-09-27 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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. section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair 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 6O4A. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-09-27 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-27 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
in XX/XX/XXXX i was informed that his account number ending in XXXX, is being shown not paid in full, even though my {$760.00} payment was sent directly Synchrony via XXXX Overnight Mailed on XX/XX/XXXX. 
i was told by Synchrony Upon further review of my claim, that the claim and complaint were unfounded, and they say my payment was never received. 
I sent copy of the original check # XXXX ( from the bank showing paid out ), indicating that not only was the check received approximately a month after the fact on XX/XX/XXXX, but the amount was deposited into the WRONG account ( client name was handwritten on the check by them when they cashed it ) as indicated on the copy of the check, bank reported the check cleared on XX/XX/XXXX I requested that the funds be remitted to the correct account ending in XXXX ( my account ). Name of account that was credited was XXXX XXXX is not me therefore it is up to Synchrony to fix the issue to fix this issue. 
Last communication was XXXX XX/XX/XXXX through my lawyer demanding a response from Synchrony within 7 days or we would have no choice but to proceed further pending litigation and we have not heard 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 2023-09-27 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I did not authorize these companies to run credit, this is fraudulent.

Company response to consumer: Closed with non-monetary relief