vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX  flight from XXXX to XXXX in the amount of XXXX. The flight was delayed each way by more than XXXX hours. Per XXXX guidelines, I am entitled to a full and complete refund. I contacted the merchant and they were unable to help resolve this issue. I then filed a dispute with Bank of America, and submitted all supporting documents within the timeframe, and my claim was denied. I requested to have my claim re-opened and they have denied it without any further investigation into the claim.

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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
XX/XX/year> : XXXX XXXX XXXX ( third-party ) sent a check totaling {$500.00} to the Department of Education for my EdFinancial account. 

XX/XX/year> : Check was cleared from XXXX XXXX XXXXXXXX XXXX  account and cashed by EdFinancial. However, the check was routed to EdFinancial 's old address. I spoke with EdFinancial at the end of XXXX and they mentioned it would be forwarded to EdFinancial 's new address. 

XXXX, XXXX : I held follow-up calls with EdFinancial but they still have not seen the payment. I have since sent other payments handled by XXXX XXXX XXXX and those have processed successfully, so it is this initial XX/XX/year> payment that is still outstanding. 

XX/XX/year> : At Edfinancial 's request, I attempted to upload documents ( proof of payment - front and back copy of cashed check and email correspondence between XXXX XXXX XXXX and myself confirming the check was cashed by EdFinancial, but not posted ) to my EdFinancial account to assist in expediting that process. 

XX/XX/year> : I spoke with EdFinancial again, and was told there was no record of EdFinancial receiving my documents. I resubmitted the documents via email and EdFinancial confirmed they were received.

It has now been over 6 months since I made this {$500.00} payment and it still has not posted to my account. EdFinancial will not give me a timeframe as to when this issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. XXXX XXXX XXXX doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the XXXX. 

In spite of this Experian refuses to remove this false information from my credit report or require XXXX XXXX XXXX to validate this debt by producing any validation of the debt or even the date of the last payment.

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 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
tried transfering some of my points to an XXXX XXXX XXXX The website said i had to go through a phone verification, but it didn't work, so it said to call in to fix. 

I called to get help, but they said that that they can't verify my account to transfer the points out since my phone number is part of a family account and in my mother 's name. I asked if i can transfer the points over the phone and they said they can't get past this. They told me to try redeeming other ways like to redeem for gift cards etc. 

Issue is that I specifically got this card to be able to access XXXX XXXX. This is how the card is advertised. It never stated anywhere on their website that in order to transfer points out, I would need to have a cellphone account in my personal name. The fact that they offer no alternative to verification like perhaps uploading gov id, provide an SSN etc, appears to be a significant misrepresentation of the product being offered and creates an undue burden. I am sure that i am not the only person in the XXXX that has a phone as part of a family plan where the phone is not in their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 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 explanation
Consumer complaint received 2024-01-19 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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 DEPT OF EDXXXX 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 explanation
Consumer complaint received 2024-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I was in the process of getting a mortgage in XX/XX/2023 when we discovered a charged-off account listed on my XXXX credit report, as well as a collection for said account. I started a dispute on the credit card account through XXXX as well as contacted Bank of America to get verification that the account was not mine. After XXXX phone calls with Bank of America , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas  address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through Bank of America , as well as a collection on my XXXX report that is affecting my credit adversely. XXXX did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at Bank of America did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.

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 2024-01-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Amazon.com XXXX XXXX : XXXX I returned my order to Amazon via the XXXX XXXX label they provided to me. I dropped off the package at the XXXX store, and the XXXX driver listed my return package. During this time, I have been contacting Amazon every week about the issue that the package is missing, but they never took any action. I then reached out to XXXX. According to the XXXX agent, they have a contract with Amazon, and every time there is a listed package, Amazon is the one who should report it to XXXX and receive the reimbursement from UPS. 

According to XXXX, they have already issued a refund or reimbursement check to Amazon for the lost package. However, Amazon refused to issue my refund, so the product that they reimbursed is now lost. In the end, Amazon agreed to issue my refund, but due to a system issue, I am unable to get the money. Amazon has refused to help me since then. Fortunately, I have all the evidence, including emails and screenshots, to prove my case. 

The missing package is XXXX XXXX, amount in ORDER PLACED XX/XX/2023, Grand Total : {$2500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
KIA FINANCE AMERICA XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to the court reflecting on my credit reports to verify if they report to the credit bureaus. They responded and said no they do not report to any of the three bureaus. I sent the letter the court sent me to two of my credit bureaus and they denied my request to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

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 non-monetary relief
Consumer complaint received 2024-01-19 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} 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

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 2024-01-19 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed an order on XXXX XX/XX/2023 in the amount of {$2600.00}, but I never received it. I contacted the merchant and I was unable to get this issue resolved. I waited 30 days as the credit card company requires, before filing a dispute claim. The claim was denied. When I asked Chase for the reason, I was told that the items were delivered and signed for. I was not even home on the date the items were delivered. I did not receive or sign for anything. I requested proof of signature and delivery documentation from the credit card company, but nothing was given to me. I also submitted my signature for comparison to prove that it was not I who signed for any package. Chase customer service said that the claim could not be re-opened and Chase has ultimately refused to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In early XXXX, I took the initiative to order a copy of my annual credit report, only to discover a substantial number of inquiries into my XXXX credit report. Puzzled by the frequency of these credit checks, which occurred almost daily, I promptly composed a letter on XX/XX/, addressing XXXX, XXXX XXXX, and XXXX XXXX. In accordance with the Fair Credit Reporting Act, I emphasized their obligation to inform me of the timing and purpose behind their attempts to access my report, asserting that I had not granted them consent for such actions. I explicitly requested the removal of any unauthorized inquiries from my credit report. Unfortunately, despite the passage of well over XXXX  days, I have yet to receive any response from these entities. 

On XX/XX/2023, recognizing similar unauthorized inquiries from TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX , I promptly dispatched letters to each of them. Citing the Fair Credit Reporting Act, I underscored the prohibition against consumer reporting agencies furnishing records of inquiries not initiated by the consumer in connection with a credit or insurance transaction. These unauthorized transactions, therefore, are deemed illegal, as I did not initiate any of them.

I am adamant about rectifying this situation promptly and insist on the removal of all unauthorized inquiries from my credit report. It is imperative to stress that I have never granted permission for any entity to inquire into my credit, and I expect immediate compliance with the Fair Credit Reporting Act to rectify this matter.

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