vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: PA

Complaint narrative:
Systems & Services Technologies , Inc. ( SST ) fraudulently opened an account on XXXX, XXXX and XXXX. This has damaged my credit score by over 90 points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and provided nothing besides to say the account was transferred to a third party on XX/XX/23. This information was not enough to justify the debt, negative payment history, and derogatory account status on my credit. They never sent a debt verification letter like I requested. They were unable to provide the date my account was opened, only the date the account was closed and transferred. Earlier this year, I was harassed by recieving multiple robocalls a week at all times a day to collect a debt I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I submitted a ftc report and dispute to XXXX, transunion, XXXX stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2023, I purchased two plane tickets from XXXX XXXX. Each ticket cost {$350.00}. I attempted to pay for the tickets using {$290.00} worth of flight credit ( each ) and the remaining {$60.00} ( XXXX ) on my American Express card. Instead, XXXX XXXX charged the full amounts ( two separate charges of {$350.00} ) to my American Express card. 

When I noticed the error, I attempted to call XXXX XXXX several times. I spent several hours on hold but was never connected to a live person and therefore unable to resolve their error. 

My next step was to dispute the charges with American Express. Since XXXX XXXX charged the two tickets separately, I created two disputes, one for each charge. In each dispute, I explained what I have explained here : that I was only supposed to be charged {$60.00}, not {$350.00} for each ticket. I included receipts and screenshot to support my assertion. 

XXXX dispute was immediately resolved in my favor and the amount of {$290.00} was correctly credited to my account. 

The other dispute, although it contained the exact same information as the first, was not resolved in my favor on the basis that " the amount billed is correct and there is no billing error, we have no basis to contact the Merchant on this matter. '' The amount absolutely is NOT correct. There IS a billing error. And they have every basis to contact the Merchant ( if they can even get ahold of them ). This goes to show that they did not even read the content of the dispute or review the information I attached as evidence. It does not make sense that for two identical disputes, one was appropriately dispositioned and the other was clearly not even read.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 we contacted XXXX ( XXXX  ) and reported the issue that the card was not working at the retailer at the point of transaction. XXXX from American Express Gift card services said they would go ahead and issue a refund in the form of a check. They said the refund would be in the mail within two to three weeks and to call back on XX/XX/2023 to check status. We called back XX/XX/XXXX and they said the refund was in process and the refund check would arrive to us by XX/XX/2023. As of XX/XX/2023 the refund check still had not arrive therefore we called back to get the latest status and they said a case was not properly filed and they were going to refile the case and issue a check, and for us to call back in a week. they stated the refund check would arrive to us by XX/XX/2023. The check still had not been received by XX/XX/2023 so we call back and they said a check had not been sent and they would get an update to us within XXXX hours. After no update we called back on XX/XX/2023 and we were told the same information as before and it would be escalated to the back office. They promised another update within XXXX hours which still has not been received. We called back on XX/XX/2023 and at this point they are still not offering any resolution other than an update within XXXX hours. XXXX Case number XXXX XXXX XXXX put us on hold for XXXX minutes and counting. We have been on the phone for hours up to this point trying to resolve this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: IL

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I had a Gap Visa Card issued by XXXX XXXX, and a few years ago I received a letter that Barclays bought it and we will receive a new Gap Master card from them or if we won't to continue with this new company and master card to pay off all the balance and to do nothing more. I paid off my balance and when I received the new master card I NEVER ACTIVATE IT. The Barclays sent me a few letters with different offers but I did nothing because I did not want their new card. Now after more then 1 year or XXXX years I received a statement from Barclays with a transaction on my never activate card with a transaction on it on XXXX XXXX. How is possible to have a transaction to a company that never I was their customer, I never activate their cards?? and now look I have a active card with them and a transaction on it. Thank you for your help in front with this abuse because they have all my personal info from the old 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 2023-10-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: NY

Complaint narrative:
They keep telling me that my payment is late, how is the only option that I have to pay my balance is to put my bank information in there. This is not okay and leave my bank information out to the public leaving it unsecure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC
State: CO

Complaint narrative:
We have a 3.5 % fixed rate mortgage. The bank that held the note recently sold it to another bank, at about half the face value because interest rates have increased so dramatically. I would like to buy the note but cant. It would be stupid to pay off the principle balance, but if I did the bank would have to unbundle the note and release it. Thats exactly what I want them to do, but at fair market value, not face value. This would effectively guarantee a risk free 3.5 % return on my investment and greatly simplify my retirement cashflow planning. This isnt about XXXX XXXX, it is about leveling the playing field for consumers.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-31 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the XXXX, TransUnion, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-10-31 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the XXXX XXXXXXXX, and Equifax credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted Sychrony Bank about my Amazon.com store credit card. They claimed that they refunded me {$1400.00} back to my card. I sent them the statements and tracking number showing them that I have not received any the refunds. They refuse to help me on this matter and I am looking for a resolution.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Account status had not been updated since XXXX of 2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.

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 2023-10-31 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: TX

Complaint narrative:
XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to XXXX, XXXX, Equifax stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to Experian, XXXX, XXXX stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone use my bank account and sent out {$5000.00} by XXXX XXXX through about 30 transactions. But i was in sleep at that time. Chase declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What chase said is true. i try to fix it with chase, chase asked me talk to XXXX due to it was authorized by face id. And XXXX pushed me back to chase bank. the local police department refuse to help me and they dont care about this case. I have never send out multiple transactions and use all of my XXXX limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In your response to my initial complaint, you stated that during the application process I was advised that I was not eligible for the welcome offer. PLEASE SEND ME all signed documentation that I agreed to & understood that I was not eligible for the welcome offer. As I applied for this card on the XXXX XXXX  in the XXXX sales office, I do not have any copies of this application. I do not recall being informed that I was not eligible for the offer. This is a bait and switch of deceptive sales practice. Do the terms & conditions stating " if you opened a XXXX XXXX card in the last 24 monthshave no merit for your offer? Once again, I am very disappointed in American Express and XXXX. 

Initial Complaint : On XX/XX/XXXX, I applied for an AMEX XXXX XXXX credit card in the XXXX XXXX XXXX in XXXX XXXX, FL using the terminal in their office direct with American Express. The sales person knew I already had a XXXX XXXX XXXX credit card. The promotion was 0 % interest for 15 months and if you charge {$6000.00} in the first 6 months you get XXXX bonus reward points. Upon approval for the card ( XX/XX/XXXX ), I charged {$15000.00}. I still have not received my bonus rewards to date. AMEX is telling me I am not entitled to the bonus rewards because I already have a XXXX XXXX XXXX. According to the terms & conditions, which I have attached, if you opened a XXXX XXXX card within the last 24 months, you can not receive the bonus points. I opened my XXXX XXXX card in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to address a pressing issue regarding my checking account [ Account Number ] with Chase Bank, which I recently discovered has been restricted without proper notification. As a valued customer, I believe it is my right to have clear communication from my bank regarding any account restrictions or limitations. 

Upon reviewing my account statement, I was shocked to find that my account has been restricted without any prior notice or explanation. This restriction has caused significant inconvenience and distress as it has affected my ability to access my funds and manage my financial affairs. 

I want to draw your attention to the fact that, under Florida law, financial institutions like Chase Bank are required to provide account holders with clear and timely notifications of any account restrictions or limitations. Failure to do so may be in violation of the Florida Consumer Finance Act, Section 560.404, which outlines the obligations of financial institutions to inform customers of account restrictions. 

I hereby demand the following actions to rectify this situation : Immediate Notification : Chase Bank must provide me with a detailed written notice explaining the reasons for the account restriction as required by Florida law. This notice should be sent to the address on file and via electronic means, if possible.

Rejection of Direct Deposit : I request that any pending direct deposits scheduled to be deposited into my restricted account be rejected and returned to the sender. This is crucial to prevent any further financial hardship caused by the freezing of my funds.

Access to My Money : I demand immediate access to my funds in accordance with Florida law, as long as there are no legal grounds for continuing the account restriction. This access should include the ability to withdraw funds, make transactions, and manage my account online.

Company response to consumer: Closed with explanation