vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: PR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a series of fraudulent transactions on my Chase Sapphire Preferred credit card and the inadequate response from the fraud investigation department. 

On XX/XX/2023, I discovered 34 unauthorized transactions amounting to {$1100.00} made with my Chase Sapphire Preferred credit card through my digital wallet on my XXXX. Despite repeated attempts to report these transactions as fraudulent, the department continues to assert their validity, implicating me in what appears to be a criminal act. 

The transactions occurred in cities in the state of California on the same day. However, this is categorically impossible, as I reside in Puerto Rico, and the 34 charges were allegedly made in three different cities simultaneously. It is evident to anyone with common sense that these transactions are fraudulent. The department 's primary " evidence '' relies on the assertion that these transactions were made in person through my digital wallet. 

I am also dismayed by the substandard service and insufficient protection afforded to me as a credit card user. On XX/XX/XXXX, I added my Sapphire Preferred card to my digital wallet and received a confirmation email. Curiously, the next day, I received an identical email, potentially signaling the commencement of the fraudulent activity. Additionally, I received a fraud alert when purchasing plane tickets with XXXX in XXXX XXXX for {$620.00} on the same day as the fraudulent transactions. Strangely, the 34 transactions, totaling over a thousand dollars in three different cities, did not trigger any alerts. 

I urge Chase to reevaluate the validation of these transactions promptly. I am prepared to pursue this matter within the confines of the law to ensure the removal of these charges from my account. I find it distressing that, despite my prompt and responsible credit card usage throughout my association with Chase, I am now subjected to accusations of dishonesty and criminal behavior. 

Please contact me at your earliest convenience to discuss the necessary steps to rectify this situation. I appreciate your immediate attention to this matter and expect a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please see the attached documents. I urge the bureau to begin an investigation into these accounts, as I am consistently on time, yet they are incorrectly reported as late.

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 2024-01-09 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: GA

Complaint narrative:
All variations of names & telephones and addresses don't belong to me.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
i do not reconize the hard inquires on my credit 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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I submitted an IDR application to MOHELA on XX/XX/2023. They failed to process it and it was listed as a pending status up until last week. Now it shows 'cancelled '. I did not cancel the application. I called MOHELA and was on hold for 2 hours and 17 minutes. An agent was unable to help me and offered to transfer me to a supervisor. The next thing I knew the call was disconnected. 
It is impossible to get basic loan information and services from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The amount of debt of {$1200.00} and {$1400.00} is not accurate. The company, LVNV Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I requested that Medical Revenue Service validate my debt of {$3800.00} with XXXX XXXX XXXX. The date on their statement was XX/XX/2021. Medical Revenue Service provided a breakdown of my charges and the treatments I had done. My personal information has been compromised to a third party and my HIPPA laws have been violated. This is very disappointing and concerning. I need for Medical Revenue Service to remove this from my credit reports for all XXXX  credit bureaus. This is very damaging in more than XXXX way. If they refuse to delete, I will have to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: IL

Complaint narrative:
According to the information given to us from the XXXX XXXXXXXX, they do not report the XXXX.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. 
*************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed XXXX case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXXXXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the XXXX As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular XXXX case. In addition to the courts electronic records, each creditor listed under the XXXX plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 

Best regards, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, IL 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 2024-01-09 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: IL

Complaint narrative:
According to the information given to us from the XXXX XXXXXXXX, they do not report the XXXXto the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. 
*************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed XXXX case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXXXXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the XXXX As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular XXXX case. In addition to the courts electronic records, each creditor listed under the XXXX  plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 

Best regards, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX TXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The loan assumption, with XXXX, removed me from the loan in XXXX of 2023. Ive been trying to close this account on my credit report ever since. I requested a release of liability letter and that someone return my call and give me an update, no one returned my call or followed up with me.

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 2024-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently checked my XXXX XXXX XXXX  credit reports via XXXX XXXX, & I noticed an unauthorized hard inquiry by Capital One on each of my credit reports, I never authorized this hard inquiry, these inquiries were made on XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: FL

Complaint narrative:
I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy.

I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.

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 2024-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I am writing to complain about the excessive HELOC line of credit with my bank. XXXX XXXX initiated my refinanced mortgage at a rate of 3.375 %. I also took out a HELOC that was very low as well. Rocket Mortgage bought the servicing of the mortgage the HELOC and promptly raised my HELOC to 9.24 % from low single digits. This is an excessive amount of money given the loan is collateralized by the home and I have not missed any payments? Rocket Mortgage refuses to negotiate and has never provided me with any documentation for the terms of the HELOC. The amount of interest I am paying on the HELOC had doubled from last year and nothing has changed except the interest rate. i have good credit and have recently gotten a new job and better pay. I want to pay off my HELOC but need help negotiating with Rocket Mortgage to prevent any financial hardship. I also want my credit score to remain unharmed. Would please intervene on my behalf? Rocket Mortgage is being punitive because I refused to refinance at a higher rate on my first mortgage to pay off the HELOC.

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 2024-01-09 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: OH

Complaint narrative:
I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. Ohio department of human services XXXX XXXX XXXX XXXXXXXX - 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: OH

Complaint narrative:
I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. Ohio department of human services XXXX XXXX XXXX XXXX - 3. 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 2024-01-09 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: NY

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding the excessive Non-Sufficient Funds ( NSF ) fees charged to my checking account. Despite my previous attempts to address this issue directly with Chase, I have received no response. 

Over the past months, I have incurred over {$5000.00} in transaction fees, adversely impacting my financial stability. I believe these fees are unjust and request the CFPBs intervention to urge Chase to adjust and refund the amount charged to my account. 

I have attempted to resolve this matter with Chase through various channels, but the lack of response has left me with no alternative but to seek assistance from the Consumer Financial Protection Bureau. 

I kindly request your prompt attention to this matter, as it has caused significant financial distress. Any assistance in facilitating a resolution with Chase and ensuring the refund of the excessive fees would be greatly appreciated. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Someone opened a credit card I my name with XXXX. I only found out because I started receiving collection calls and mail from the collection agency. This is not my account and I need help getting the collection canceled and the card taken out of my name. I do not owe this money

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 2024-01-10 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: GA

Complaint narrative:
XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX doesnt belong to me XXXX 
I was 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 2024-01-10 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately : 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 2024-01-10 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: CA

Complaint narrative:
today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXXXXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX  credit bureaus.

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 2024-01-10 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: CA

Complaint narrative:
today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX  their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX credit bureaus.

Company response to consumer: Closed with explanation