vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Bought XXXX XXXXXXXX. Used Reward points from Chase. Received credit from XXXX returned purchases. 1st contacted XXXX several times. Finally told Chase had to apply refunds to Reward points. Contacted Chase on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Keep getting run around. Said would escalate & get back to me within 3-5 days first message. NO response. Contacted again-told they would get back to me 1-2 days. Time for redepositing Rewards points long overdue. Rewards points-same as cash. Appreciate intervention-this constitutes bad business practices. Requesting points be refunded to account + {$50.00} credit to cover my time of multiple contacts to resolve. We're writing to let you know we processed your refund of {$22.00} for your XXXX XXXX from XXXX XXXX  XXXX XXXX. This refund is for following item ( s ) : Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Oversized Sweatshirt, XXXX, XXXX Quantity : XXXX XXXX  : XXXX Reason for refund : Order cancelled Here 's the breakdown of your refund for this item : Item Refund : {$15.00} Shipping Refund : {$6.00}. We'll apply your refund to the following payment method ( s ) : Reward Points : {$22.00} XXXX Credit Card [ expiring on XX/XX/XXXX ] : {$0.00} We're writing to let you know we processed your refund of {$18.00} for Order XXXX. Refund for the following item ( s ) : Item : Red and Green Tree Sprinkles- 4 oz Resealable Stand Up Candy Bag - XXXX Themed Sprinkles Featuring XXXX Trees - Bulk Sprinkles for Baking XXXX  : XXXX Reason for refund : Item not received Here 's the breakdown of your refund for this item : Item Refund : {$9.00} Item Promotion Deduction* : ( {$1.00} ) Item : XXXX XXXX XXXX, cinnamon, XXXX XXXX Quantity : XXXX XXXX XXXX XXXXXXXX Reason for refund : Item not received Here 's the breakdown of your refund for this item : Item Refund : {$8.00} Item Tax Refund : {$0.00} We'll apply your refund to the following payment method ( s ) : Reward Points : {$18.00} Received a message from Chase advising me they had refunded one of my returned purchases, HOWEVER, instead of crediting my account they debited it. Messaged them again about their error, told me they escalated it and I would have to wait 5 days for response. That will NEVER come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: GA

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting the creditors listed below at once, or remove these offending inquiries as soon as possible. Despite my repeated attempts to resolve this issue, I have yet to receive adequate documentation from Equifax regarding the circumstances surrounding the inquiries listed on my consumer file associated with my Social Security Number [ SSN ] : XXXX. Summary of Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have my mortgage through loancare LLC. I was on a payment assistance through the department of economic opportunity where they were helping with my mortgage payments until XX/XX/XXXX. They advised me they sent the payment to loancare at the end of XXXX for the last payment, but loancare would not apply the payment until after I had to call multiple times in XXXX where I was advised it would be applied, but it wasnt finally applied until XX/XX/XXXX! The department of economic opportunity sent them the payment at the end of XXXX!! This has caused an issue for me due to the fact loan care did my escrow analysis before that payment was applied so it shows I have an escrow shortage of about XXXX. I have tried calling over 10 times today to try and reach someone for them to re run my escrow analysis so I am not showing short. I cant even reach a live person! The phone keeps disconnecting even though my statement shows they are open today until XXXX est. I have never been through such a high amount of stress from a company before. Its been a nightmare dealing with them ever since we got our loan in XXXX. On top of that, their systems were hacked and they were under a cyber attack and I received no notification of this until weeks after it happened with a letter through the mail! This has caused fraudulent activity because my information was taken, with even a credit card opened with my information and multiple spam calls. My credit has been impacted by this, we were denied multiple loans which caused hardship, and the stress and anxiety because of this has been horrific. its been awful. If loancare does not resolve this I will be going to the media and filing a lawsuit. I was denied loans to help with necessary home improvement due to this and them posting the payments late that the department of economic opportunity was sending for our account. I even tried to look into getting an equity loan and was rejected.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The credit card company XXXX, I last spoke with them last year around XX/XX/XXXX or the month after, I called in to make sure the balance was paid off. The balance that was owed was {$0.00}, the representative stated that they placed credits back to my account which was the late fees charges and others fees that was assessed and that took care of the balance owed. Today XX/XX/XXXX I get a notification to my phone about a collection account added and it was the credit card company XXXX, I spoke with last year. So I called them today asking them to look at my last statement and the notes on the account and the last representative I spoke with, and I asked to speak with a manager as well and they couldnt provide me with XXXX. She continue to tell me they sold my account and she cant help me and I need to talk to the people who they sold it to. This is outrageous I spoke with them XXXX XXXX and I had no balance owed, and no up to date statement seeing that I did make a payment to them as well before I called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-01-13 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: SC

Complaint narrative:
First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the Better Business Bureau showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!

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 2024-01-13 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: SC

Complaint narrative:
First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the XXXX XXXX XXXX showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the XXXX XXXX XXXX  showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!

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 2024-01-13 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: PA

Complaint narrative:
Equifax Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Continually receiving messages from XXXXXXXX XXXX XXXXXXXX college in regards to a tuition bill. However XXXXXXXX XXXX XXXX XXXX  XXXX for XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) is part of the XXXX XXXX XXXXXXXX legal case that was approved on XXXX XXXX, XXXX for borrower defense applications ( see attached https : XXXX  ). Had my XXXX XXXX Applications approved in XX/XX/XXXX ( see attached files ). XXXX 's XXXX continues to send email messages about money owed to them along with reporting negative information to XXXX. In reviewing my XXXX credit report, no negative reporting is showing from XXXX XXXX XXXXXXXX XXXX. This is a scare and harassing tactic that they are using for money even though XXXXXXXX XXXX XXXXXXXXXXXX XXXX has closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Experian Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2024 I received an email from XXXX informing me that my credit limit had been decreased from XXXX XXXX XXXX. When I called Synchrony to inquire, I was told it was because I have not used the card in over a year. This will affect my credit scores XXXX XXXX XXXX  and XXXX score XXXX XXXX XXXX and I don't understand how this can be legal.

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 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This Bank was XXXX they wont give me my money they said it takes XXXX  days. I have to pay bills and go to the store to buy food. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
The credit card company Avant, I last spoke with them last year around XX/XX/XXXX or the month after, I called in to make sure the balance was paid off. The balance that was owed was XXXX, the representative stated that they placed credits back to my account which was the late fees charges and others fees that was assessed and that took care of the balance owed. Today XX/XX/XXXX I get a notification to my phone about a collection account added and it was the credit card company Avant, I spoke with last year. So I called them today asking them to look at my last statement and the notes on the account and the last representative I spoke with, and I asked to speak with a manager as well and they couldnt provide me with one. She continue to tell me they sold my account and she cant help me and I need to talk to the people who they sold it to. This is outrageous I spoke with them last yr and I had no balance owed, and no up to date statement seeing that I did make a payment to them as well before I called last XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit Karma and XXXX knowingly engaged in the act of false reporting of account balance information.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2024 I received an email from Experian informing me that my credit limit had been decreased from XXXX XXXX XXXX. When I called XXXX to inquire, I was told it was because I have not used the card in over a year. This will affect my credit scores XXXX XXXX XXXX  and XXXX score XXXX XXXX XXXX and I don't understand how this can be legal.

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 2024-01-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have submitted valid police reports a few times, disputing accounts on my Experian credit report that continues to report inaccurately as mine, and Experian refuses to remove these accounts even with valid police reports that my purse was lost and identity was stolen. Therefore, I am filing a complaint because I have a right to have my information reported accurately and only factual information. I never had an account from XXXX, never gave them my identification to open an account, and I would like the account removed from my credit file.

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 2024-01-13 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: NV

Complaint narrative:
On XX/XX/XXXX I wrote and asked Experian to update my XXXX information as there was inaccurate and outdated information being furnished. I have only been met with opposition. I checked my consumer report on XX/XX/XXXX and the outdated information has not been deleted. The XXXX states that information must be accurate and complete. I am just asking the consumer reporting agency to do their part in making sure my consumer file is complete and accurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-01-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: LEXISNEXIS
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal dispute regarding inaccurate address information on my XXXX  consumer file, as allowed under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies in the address, phone, and email details, which are adversely affecting my ability to ensure the correct and timely delivery of important correspondence. I have attached my original letter as well as the XXXX drafted today.

Company response to consumer: Closed with explanation