vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: MA

Complaint narrative:
DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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.

Delete the accounts below. 

XXXX XX/XX/year> EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I paid the debt of my credit card 6 years ago and the debt collector sent me letters several times harassment with strong words about lawyers and was cited at the court 3 times year 2021 because they don't have my payments.The judge sew my payments and the lawyer that was represented to the debt collection company ( not the bank ) he was the lawyer of debt collector company, said : apologize XXXX XXXX because we don't knew these information. The details and decision of the judge was clear and dismissed the case because the judge sew my payments and was angry with the collector agency lawyer. I sent XXXX letters to the credit report ( XXXX XXXX and XXXX ) explain this with a copy of the judge sentence and requested that was removed from my account. They can't make something about that. 
My credit report each month yet report these like delinquent. This situation is damaging my credit with false report from the other debt collection company with the same amount and problem but now is a new debt collector. This is an abuse is harassment and I have a strong desease and this situation is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: WA

Complaint narrative:
There is a negative item reported on my credit report with different names of other persons .And I dont recognize how and why is reporting. This negative item doesnt meet the FCA reporting requirements. Other credit bureaus were able to properly verify this this account and was required to remove the account and how they were able to verify this account and they all have the same info. Delete immediately

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 2024-05-11 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: IL

Complaint narrative:
XXXX XXXX stated I had 30 day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from 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 2024-05-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied to a Hilton Honors Amex card on XX/XX/2023 and have a card opening offer of XXXX hilton points + XXXX free night. See a screenshot of the offer attached. However, I only received XXXX hilton points + XXXX free night upon completion of my opening bonus requirements. I contacted both Hilton and American Express since XX/XX/2023 and can share all the case numbers and history. Hilton also helped me contact American Express multiple times. American Express continued to refuse to acknowledge that my offer was XXXX and my cases were rejected. Other Amex customers said this has happened to them as well so this does not appear to be a one-off incident. Note that my bonus offer was not a special/referral offer only available to myself but was a promotional period offer Amex provides to most eligible applicants during that time frame. Therefore, this should be easy to verify if Amex is willing to look into their opening bonus offer history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Per cfpb complaint XXXX The account that was transferred from Marcus Goldman to XXXX XXXX XXXX XXXX was only temporarily updated as closed on XX/XX/2024 but was recently reopened on XX/XX/. I've filed XXXX disputes with XXXX, XXXX complaints with cfpb ; I've spoken to multiple XXXX and Goldman Sachs employees, including XXXX in XXXX 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/2024 the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying XXXX  monthly payments of {$390.00} but they have allowed both the Marcus Goldman and XXXX accounts to both report high balances on my XXXX credit report. As a consumer who pays my bills on time, this is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per cfpb complaint XXXX The account that was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX was only temporarily updated as closed on XX/XX/year>2024 but was recently reopened on XX/XX/year>. I've filed XXXX disputes with Equifax, XXXX complaints with cfpb ; I've spoken to multiple XXXX  and XXXX XXXX employees, including XXXX in XXXX 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/year>2024 the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying XXXX  monthly payments of {$390.00} but they have allowed both the XXXX XXXX and XXXX accounts to both report high balances on my Equifax credit report. As a consumer who pays my bills on time, this is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I check my transaction history everyday. Chase bank will charge my card for a transaction. This transaction will fall off and I dont ever see my funds put back in to my account. When asked Chase claims that the money was put back in to my account. They tell me the date. On my transaction history it is no where to be found. This happen to me often and Chase gives me no valid explanation. They only say that the charge fell off and they never took the money out at all. This is not true cause my available balance and the money they take always reads red. It is blue when money is received. Which they do not post. I can not see when transaction fall off my money being returned. Then the transaction itself disappears as well, leaving no trace of said transaction. So its mentally frustrating and putting me in a low place of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Global Lending Services is reporting inaccurate information to the credit bureaus. This erroneous information is costing me time, money and energy to correct. This account has always been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).

On the date XX/XX/year>, I received an email notification indicating that someone had requested {$1000.00} from me via XXXX. Upon verifying the authenticity of this request through my XXXX web page, I proceeded to contact XXXXXXXX XXXX customer service for assistance. After being redirected multiple times, I finally connected with an individual who identified himself as " XXXX, '' claiming to be a financial advisor affiliated with XXXX. XXXX asserted that he could resolve the issue and instructed me to install remote desktop software, " XXXX, '' on my computer. Subsequently, an unauthorized transaction of {$50000.00} was initiated from my Wells Fargo checking account to an undisclosed destination. XXXX informed me that the transaction could not be cancelled conventionally and advised me to return the funds in bitcoins. 
Driven by a sincere intention to rectify the situation, I withdrew {$21000.00} under false pretenses, from my Wells Fargo account and purchased bitcoins as instructed by XXXX. However, upon discovering the disappearance of {$50000.00} from my account and unauthorized transfers between my savings and checking accounts, I became increasingly wary of XXXXXXXX XXXX instructions, and stopped any further communication.

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 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Multiple calls throughout the day. XXXX call was made XXXX  times in less than XXXX minutes. Just overall repeated harassment and not over XXXX  days late on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In XXXX of 2023, I was looking for a solution for my business to be able to service and support my clients. I have one on XXXX, it had many followers, and appeared to be a great solution. I contacted them via DM. the individual I spoke to was knowledgeable about the services I needed handled. I agreed to the price they asked for, it was a quantity-based pricing. The quantity of jobs completed would be the amount they charged me. They charged almost {$1.00} XXXX to my debit card. and I did not get anything for the money I paid for. I tried to resolve this with the bank but then I was forced to look into this matter more closely. I have found it was all a scam, and it was used to buy 'tokens ' for a XXXX XXXX. Meanwhile, they required my personal information, id, and my money. Without me getting any of what I paid for, the XXXX account now is now longer available. XXXX XXXX. I finally found this out by following the charges. XXXX is the name of the XXXX company, and they used the fake name to conceal their purchases. 

I originally reached out to Chase in regards to this issue, with many calls and in person visits. And finally was contacted via someone in their Executive department, they stated, that I authorized the transactions because I purposefully made other transactions with this entity. Meanwhile their terms clearly state I am not responsible for fraud. I do not want to damage my banking relationship with chase, but this is a flagrant breach of their terms of service. This should have be figured out by their fraud department, with their resources, but I had to find out how this occurred on my own. 
I used a business XXXX XXXX card with the understanding it was 0 % liability for fraud or items/services not received, I did not received for money paid but is playing with words not trying to stand by their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX has violated my rights.

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
XXXX XXXX stated I had XXXX  day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
XXXX XXXX stated I had XXXX  day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from 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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my right and opened an account without my consent 15 U.S.C 1681 section 602 A.States i have a rights to privacy 15 U.S.C 1681 604 A Section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft while I was XXXX with XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I would like assistance on this investigation In my credit report and Remove/Delete. These accounts and Inquiries AND LATE PAYMENTS NEED TO BE ADJUSTED. 
PLEASE HELP ME UPDATE MY WHOLE CREDIT REPORT AND PROPER INVESTIGATION IN MY CREDIT REPORT AND CORRECT MY REPORT PLEASE. PLEASE UPDATE CURRENT ADDRESS AND EVERY INFORMATION LISTED!!! 

XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXXXXXX XXXX XXXX INQUIRY DATE:XXXX XXXX XXXX XXXX DATE INQUIRY:XXXX XXXX XXXX DATE INQUIRY:XXXX XXXX DATE INQUIRY:XXXX  XXXX  DAte Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX DATE INQUIRY:XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX LATE ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX IDENTITY THIEF XXXX XXXX  XXXX identity thief XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX XXXX XXXX ACCOUNT # XXXX IDENTITY THIEF XXXX ACCOUNT NUMBER XXXX Identity thief 15 USC 1681 N Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

1681b.

Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

15 U.S. Code 1666b, also known as 163 of the Truth in Lending Act, states that a creditor can not consider a credit card payment late unless they have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I received my annual escrow analysis from NewRez LLC, my mortgage company. and Informed I had a surplus in my XXXX  account for {$1100.00}. The statement was dated XX/XX/year>. As a XXXX resident I have the option of receiving a refund check for that amount or chose to apply it towards my principle or escrow account. I sent an enclosed form requesting for a refund check. That form was sent out on XX/XX/XXXX. After over a month I still hadn't received the check. I contacted a service rep on XX/XX/XXXX and I was told that the check was sent out on XX/XX/XXXX. He said that they would receive another check with XXXX to XXXX days. Check has never arrived. I contacted another service rep who also said that the check was sent out on XX/XX/XXXX. That is not true because as a XXXX resident a refund check can not be issued until I request that refund. There is no way they could receive my request for refund prior to them sending out a check. This is under XXXX law requiring the borrower to submit a request for refund or hold for escrow. Again according to law I should of received this check within XXXX days of the analysis, date XX/XX/XXXX, XXXX I was then told my funds would be direct deposit in XXXX days. The second rep I talked to said that they would direct deposit to my account, that never happened. Both reps mislead me and Newrez is not abiding by XXXX mortgage escrow refunds law..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation