vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per Experian records

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 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I need all false information removed from my report. I have repeatedly advised and submitted the affidavit stating that addresses, work info and information that is incorrect or not me. It has not been removed. The agency, XXXX has removed some of the fraudulent items but not all. This continues to be a great burden on my name and reputation as a consumer. Stating that items came back verified simply means that it was verified that the thief actually made these transactions. Not one person or entity contacted me, my friends or family concerning this. So who actually verified this fraud?

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 2022-12-05 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I applied for a credit card offer that was sent to my email address and my name. i filled it out and then received a notice from that company denying me a credit card. Here is the issue..it was sent to my address with someone elses name on it ( my hisbands/my name combined ) it stated that my score was too low and that is the result.i have checked my credit score and my score is XXXX, not XXXX which is what chase bank stated. i contacted Chase bank by phone and after XXXX hours and XXXX people they stated my ss # is under my husbands name and that they can not do anything about it and said to contact XXXX XXXX. They have since ran an application again and i was denied again after i told them not to run it becuase it was false information. I have also went to the bank and explained the issue with my ss # card for proof that it is my number and they said to contact XXXX XXXX have letters sent to my home with our combined name and denial of card. I just want his name removed from my ss # they said they have no control over that. I am very unhappy and would like this corrected. I have tried to contact XXXX XXXX and it is a recoring only. i am unable to contect with anyone. they offer live chat and i waited for over XXXX minutes and no one ever responded. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed these accounts with Equifax several times they have failed to provide me with XXXX XXXX requested nor properly investigate inaccuracies on my credit report as I have requested them to do so. The following accounts have been sold and are still reporting as active balances each month over 180 days statue limitations which is against the law. Method of verification has not been provided. XXXX accounts should not be actively reporting over 180 days. I want the following accounts removed. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed this account 3 times and each time Transunion has come back and said this account is mine. I have asked for method of verification, and they have not supplied that information. They are reporting and account on my credit report as an active payment history over 180 days past the statute limitations from an account that was supposedly sold. The sold account holder is reporting a balance each month which is illegal. Transunion refuses to investigate which gives me the right to sue according to the FCRA. I have a right to dispute all inaccuracies on my credit report. I want the accounts removed. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$83.00}

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I closed my account with Citizens bank XX/XX/2021. The keep re-opening my account and charging past due fees and reporting to the credit bureaus. They say that anytime some tries to collect money from my account they re-open it. I end up with negative balances and penalties. This account has been closed XXXX times now trying to work with them They are destroying my credit and holding me XXXX to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
Fraudulent charges were made without using the card physically, I had the card in my possesion at the time. Here are the fraudulent charges : All were made in XX/XX/XXXX : XXXX, XXXX XXXX, {$100.00} / XXXX XXXX XXXX XXXX, {$1.00} XXXX XXXX XXXX XXXX, {$140.00} / XXXX XXXX XXXX {$12.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} / XXXX XXXX XXXX XXXX {$42.00} / XXXX XXXX XXXX  {$77.00} XXXX XXXX  XXXX {$44.00} / XX/XX/XXXX XXXX XXXX {$21.00}

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 2022-12-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX XXXX  ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The freeze was lifted, so they said. We tried to call on the weekend and no one could answer. We called on Monday and they said it was a lock not in unfreeze. We ask for help and Experian sent us to XXXX, they said their tools were not working. All we want is it unfrozen to obtain an XXXX XXXX credit card and we have yet to successfully do that after four days its Monday afternoon and its still frozen and we still havent got an approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Contacted Fortiva on helping me out with financial hardship after my daughters medical crisis a couple months ago. Im having problems making payments because of it. Fortiva refuses to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting duplicate information. The following inquiries are duplicate : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX  The only correct inquiry for this account is following : XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
At approximately XXXX XXXX, on XX/XX/2022 I received a text message ( attached ) fromm my bank ( Chime ) asking me is I made a transaction in the amount of {$270.00}. I responded NO as I was in the middle of my morning commute and had not made any transactions. I proceeded to log into my online banking and found five ( 5 ) transactions form XXXX totaling approximately {$1100.00} ( attached ) .I immediately locked my card. I called XXXX to inquire about these transactions to which they informed me that there is nothing that they can do because I am not a costumer, they stated that they would have no information to look in to. I reported my card stolen. It is important to note that I was in possession of my card ( attached ). I called my bank to ask them what kind of transactions they were and to further inquire about the dispute process, a Chime representative informed be that they were money transfers. I asked them how someone could make these types of transfers without my accounting and routing number, and I requested a new accounting and routing number. The representative ignored my request and instead proceeded to explain at length how someone could make this type of transaction without my card and without having actual access to my account number. Chime 's policy is that at least one transaction has to clear before allowing a dispute, I waited for this to occur and promptly filed a dispute when I was able to. My dispute was filed XX/XX/2022, I had to file two disputes separately ( attached ). On the evening of XX/XX/2022 I received an email from chime regarding one of the two disputed stating that they had concluded their investigation and that no error occurred ( attached ). I immediately called them outraged, they out source their customer service to a foreign country with individuals that read from a script. They basically told me there was nothing they could do, that I could request the documentation used to make their determination and after that I could file a rebuttal if I had new information. I requested to closed my account as I will not continue to bank with a financial institution that refused to protect my money, I transferred out my remaining saving 's balance and closed my account. I filed a police report this morning ( confirmation attached ), as I plan to pursue reclaiming my stolen funds to any extent necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/XXXX, I, XXXX XXXX XXXX, purchased a brand new XXXX XXXX snowmobile from XXXX XXXX, located in XXXX, MI. The snowmobile was financed through Sheffield Financial , LLC, which is located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX their phone number is ( XXXX ) XXXX. Despite having good credit, Sheffield Financial 's interest rate on my loan was extremely high ( about 15 %, as I recall ). 

All payments between XX/XX/XXXX and XX/XX/XXXX were made on or before the due date to Sheffield Financial. In XX/XX/XXXX, I contacted my personal bank ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX ) to see about refinancing the loan at a lower rate. 

On XX/XX/XXXX, XXXX XXXX XXXX  issued a check to Sheffield Financial , LLC, in the amount of {$8500.00} ( Check # XXXX ) to satisfy the remaining balance owed for the original loan from Sheffield. The loan issued to me by XXXX XXXX XXXX  has also been paid in full. 

Despite both the original loan and the refinanced loan being paid in full, Sheffield Financial continues to show on my credit report that I owe them a balance of {$9200.00}, with the last payment being made in XX/XX/XXXX. Prior to refinancing the loan, I made a payment in XXXX of XXXX, and I believe that I also made XXXX in XX/XX/XXXX ; neither of those is reflected on my credit report. The account balance is listed as " Current '', although it should reflect a {$0.00} balance and that the account is " Closed, paid in full '' as of XX/XX/XXXX. 

I've contacted Sheffield Financial two or three times to have this problem corrected. Each time they have said the records would be updated, but to date, nothing has been done. I have also disputed the account through the credit reporting agencies, but to date, no changes have been made.

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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Dear CFPB, My card is associated with apple account : XXXX My Apple Credit Card ( Goldman Sachs ) is closed for no reason. They locked my card on XX/XX/2022 and told me to contact customer service, however, every time I contacted them, they did not give me a specific answer. They always told me that some one from an internal team will call me back. They did not give me a reason why my account is restricted. On XX/XX/2022 they closed my account with no notice and pre-notice or anything. They closed my account with out any reasons to me. This really hurt my financial situation and health. Please help me appeal them. Please see attached file for the conversation. They told me they restricted my account to protect me, and then they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX  Original creditor : XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # 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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Up until XX/XX/XXXX statement, my interest rate was 16.49 %. XXXX statement it was increased to 16.99 %. XXXX statement it was increased to 17.74 %. 

On XX/XX/XXXX, I called Chase to complain that my interest rate had been increased without notice to me. They stated that they didn't even see my rate at 17.74 % and they showed it was even 18.49 %. I was transferred to a XXXX, XXXX. She said a letter was sent to me on XX/XX/XXXX that was mailed separately from my bill. She was going to have this re-sent to me. I also closed the account on this date. On XX/XX/XXXX, I received an email stating I had a letter, but when I went to my account online, there was no letter. 

The XXXX statement did show an increased interest rate again of 18.49 %. XXXX statement showed another increase of 19.24 %- on a CLOSED account! I also closed it when the last statement was at 17.74 %. 

On XX/XX/XXXX I called Chase again to inform them of this. It was confirmed that the account was closed on XXXX. I was also told that they have no control over XXXX, that I wasn't allowed the contact information for the department that is, and that the XXXX is subject to review XXXX time every 6 months. I requested all correspondence to be re-sent to me from the past year but they said they couldn't do that. She would request the last letter to be re-sent to me again. I received that in the mail, dated XXXX but with no explanation as to why they are continuing to increase my interest rate, nor did they send me proof of having ever given me a 30 day notice. In fact, my XXXX statement shows another increase to 19.99 % interest!

Company response to consumer: Closed with explanation