vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Date : XX/XX/2023 MY Name : XXXX XXXX my Address : XXXX XXXX XXXX, XXXX, GA XXXX Contact Information : XXXX Company Name : American Express Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX : On XX/XX/2023, I sent a remittance coupon to American Express to apply a payment to my account. The coupon was received by American Express on XX/XX/2023. However, American Express has failed to apply the payment to my account. 

I have contacted American Express customer service multiple times to resolve this issue, but they have been unable to help me. I am concerned that American Express is engaging in securities fraud by failing to apply my payment to my account. Additionally, American Express 's XXXX form states that the company has a responsibility to respond to debt inquiries promptly and accurately. American Express has failed to meet this obligation in my case.

In my statement it all states your statement and must be received by XXXX XXXX. local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX. will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars
and clearable through the US banking system ; and ( 3 ) include your Account number.

UCC Codes : UCC 4-207 ( a ) ( 2 ) : A payment is final when it is received by the payee.

UCC 4-209 ( a ) ( 4 ) : A payee is obligated to honor a payment if it is made in good faith and in accordance with the terms of the payment instrument.

UCC 4-402 : A payee is obligated to refund a payment if it is not applied to the correct account.
Remedial Action Requested : I request that American Express immediately apply my payment to my account and provide me with written confirmation of this action. I also request that American Express compensate me for any late fees or other charges that I have incurred as a result of their failure to apply my payment. 

Account number ending in XXXX amount sent {$23.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I returned the car in the discretion and I didnt recall any of this debt being added to my credit reports so I would like to dispute the charges and incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NJ

Complaint narrative:
Due to Equifax 's intentional and willful violation of the FCRA, I faced another serious damage i.e. rejection for a guarantor insurance for an apartment. I am attaching a copy of the email from the company named the Guarantors explaining that their decision to reject me was based on information they obtained from Equifax. In addition to contacting the CFPB to request Equifax delete the inaccurate accounts, I reached out to the Better Business Bureau and as recently as a few days ago, Equifax claimed they were doing an investigation. However it seems that Equifax is stalling as they have no intention of complying with the FCRA and deleting the inaccurate accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: CA

Complaint narrative:
I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts 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 These address and phone numbers are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am attaching FTC identity theft report and driving license

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 2023-11-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I booked a hotel through Citi Travel on XX/XX/XXXX for the stay between XXXX XXXX, and I did call and confirm our stay with the hotel one week before the actual stay. When we arrived at the hotel on XX/XX/XXXX, I was told that our reservation had been canceled without any prior notice. That was a shock to me, as it approached night and we have young kids. Because the hotel had informed us that Citi Travel had handled the cancellation, we called Citi Travel. 

I spoke to XXXX and his supervisor, XXXX at Citi Travel. XXXX XXXX said that she would provide a full refund for the hotel cancellation. She would also provide me with XXXX points compensation plus XXXX Hotel Credit Discount converted to XXXX points. She also sent out an email stating the above. She stated that the refund would be returned to the account in 7-14 days.

After almost 2 months, I did not receive the compensation as promised. I called Citi Travel on XXXX. I was told to wait for another 7-14 days. Not surprisingly, we still did not receive the refund and compensation as promised. 

So I called again on XX/XX/XXXX, and spoke to XXXX XXXX first, who transferred to her supervisor, XXXX XXXX. XXXX XXXX reported that there was an email sent on XXXX requesting XXXX XXXX to review and solve the case. Someone from her team replied that they would review. However, there was no response or follow-up since. XXXX XXXX said that she sent another email to XXXX XXXX requesting her to follow up on this case. There had been no reply by the end of the phone call. Additionally, XXXX XXXX stated that she was unable to handle the case because the compensation was above her pay grade and the original supervisor, XXXX XXXX, should handle it. 

Since my last call on XX/XX/XXXX until now XX/XX/XXXX, after more than a month, I still have not received what I was promised to receive.

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 2023-11-28 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I paid off my student loan in full to XXXX and keep getting statements from the USDept of Education that I owe money to aidAdvantage. I have made repeated attempts over months snd months to rectify by situation. I have written to XXXX XXXXhree times. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
So XX/XX/XXXX and XX/XX/XXXX i have a transaction to buy a shoes and this guys is legit on XXXX  big sneaker group so we talk and agreed on a transaction. So i send him the payment for the first shoe and added a another one. But then the next day he started ignoring me and eventually blocked me on XXXX. So i went to to cash app and file for dispute, and to my bank " bank of america '' but they ended up decided siding with the scammer and dont want to give me a refund. They keep on insiting to contact the merchant for a refund, the guy blocked me and I keep on telling them that. I reported it as fast as I can do it. Hopefully you guys can help me with my problem. Scammed amount was XXXX $ and XXXX $ that the bank refused to reimburse me. I have proof and conversation if needed.

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 2023-11-28 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX total visa and a letter was sent on XX/XX/2023 requesting 3 items.I have not received any correspondence from this creditor to validate this account. I've also included a cease and desist in the letter but there have been no updates and the account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.I do not believe the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I understand that ticket purchases often come with certain terms and conditions, and I acknowledge that tickets are generally non-refundable. However, my concern arises from the denial of my right to change my flight by paying a specified fee, as outlined in the terms and conditions associated with my original booking. I had attempted to change my flights with XXXX on XX/XX/28 but my right was denied. 

As per the terms and conditions that I accepted with the bank transfer for my ticket, I am granted the right to change my flight by paying a fee of {$210.00}. This information was clearly communicated, and I relied on it when making my travel plans. Unfortunately, when I called to exercise this right and change my flight, my request was denied. 

I would like to emphasize that I am not disputing the terms and conditions agreed upon during the booking process. Rather, my dispute stems from the denial of a right explicitly stated in those terms and conditions. 

To provide more context, I attempted to change my flight due to unforeseen circumstances, and I was willing to comply with the stated fee for this service of {$210.00}. However, I was informed that my request for a change was not possible because my card did not work, while simultaneously being offered the option to purchase a new ticket for {$530.00} using the same credit card or payment method. 

I kindly request that you review the details of my case and clarify why my right to change my flight was denied, even though the terms and conditions explicitly permit such changes for a specified fee. I believe there may be a misunderstanding, and I am hopeful that this matter can be resolved amicably.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to resolve the violation of my consumer rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 2068 ( a ) ( 3 ) : ( a ) Designation It shall be unlawful for any person to ( 3 ) fail or refuse to permit access to or copying of records, or fail or refuse to establish or maintain records, or fail or refuse to make reports or provide information, or fail or refuse to permit entry or inspection, as required under this chapter or rule thereunder ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Violation # 1 Chexsystems has failed to maintain record of my date of birth and social security issuance date, which they have falsely furnished as 1980 in the consumer report I have attached to this letter.

Violation # 2 - ( XXXX XXXX XXXX XXXX XXXX Uknown ) - Alleged transactions or experiences with XXXX XXXX XXXX were included in my consumer report - a clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The consequences for such violations are explained in 15 U.S. Code 2069 ( 1 ) - Civil penalties : Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations.

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 2023-11-28 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: PA

Complaint narrative:
I am writing to address a matter of utmost importance regarding the reporting of the account under creditor XXXX XXXX XXXX with the account number XXXX. Despite my diligent efforts to communicate the inaccuracy of this information, it continues to be furnished on my credit files. 

This account has already been deleted from the XXXX credit bureau on XX/XX/2023. When are you going to delete this on your side? 

Having an inaccurate negative item on my credit report unfairly impacts my credibility as a consumer, potentially leading other creditors to form misconceptions about my financial responsibility.

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 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Everything is paid off and no debt on Credit file except the last bit of my student loan that I was paying on. My score was in the XXXX. My account was closed out and transferred to AidVantage as they now service all student loans. They never reported the loan or payments which caused me to now have no XXXX XXXX ( due to nothing to score ) I've waited months for them to report and even waited on hold for days to speak to someone. He basically told me they'll get around to it and told me to report it myself ( which there are no means to do so ). They are still refusing to report my account in good standing or my well ahead of time payments. I am unable to finance a vehicle or obtain ANY credit products, I am now a ghost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-28 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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : 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 Acct inaccuracies : XXXX XXXX Acct XXXX XXXX Reported as late but paid off. 
XXXX XXXX XXXX XXXX - XXXX acct. {$490.00} past. 
XXXX XXXX XXXXXXXX - reported as late. 
XXXX XXXX XXXX - Acct charged off. {$70.00} written off. {$480.00} past due. 

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 or inquiry report without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : 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 Acct inaccuracies : XXXX XXXX Acct XXXX XXXX Reported as late but paid off. 
XXXX XXXX XXXX XXXX - XXXX acct. {$490.00} past. 
XXXX XXXX XXXXXXXX - reported as late. 
XXXX XXXX XXXX - Acct charged off. {$70.00} written off. {$480.00} past due. 

1

5 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 or inquiry report without 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 2023-11-28 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-28 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: MS

Complaint narrative:
I was a victim of the Equifax data breach and inaccurate information needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called the original creditor and file a complaint two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: WI

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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