vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My XXXX XXXX XXXX Card appears twice on my XXXX report. I only have one XXXX XXXXXXXX card and the other account should be removed. This account is a duplicate and needs to be removed.

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good morning, I applied to the Chase XXXX XXXX Membership Credit Card XX/XX/XXXX around XXXX. The reason for applying is because i was booking a stay at XXXX XXXX XXXX for an event on XX/XX/XXXX. While i was on the check out page, to the right side under " total charge for room '' right under that, was a second box with bold " Earn {$300.00} in XXXX XXXX, plus XXXX Bonus Points '' and then it has this : Price For Stay : {$1100.00} XXXX credit : - {$300.00} Total After XXXX credit : {$840.00} XXXX applied and got approved for {$18000.00}. I call Chase to see how I can use this specific card for my Hotel Stay as advertised and I am told that I can not use it until it arrives. I am okay with that, I call chase again the next day to expedite the card as customer service suggested. When I call, the credit specialist tells me that the soonest they can ship it is in 7-10 business days. I can't wait 7-10 business days because my event is in 2 days. The advertisement is misleading, telling consumers that they will be able to use that credit card toward their CURRENT purchase. I don't stay at XXXX, I would have NEVER applied to this Credit Card if it was not for me being able to use it on THIS hotel stay as they advertise. Now I am stuck with a XXXX Credit Card that I will not be using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Have been attempting to contact NCS for 2 years ( XXXX ) regarding the collection on my reports. It is a high amount and I do not owe money to the previous company. I requested multiple times for verification and the company only sends me a new bill with a new dollar amount owed. My recent request for verified contract and signatures, they sent me a new bill of {$2800.00} instead of {$4300.00}. This account is causing me financial distress and can not get a home loan until it is properly removed. I do not owe this company or the previous owner money. There was no contract and no evidence of ownership. Attached below is letters requesting ownership and proof of collection. NCS was sued in XXXX  due to not providing proper information or amounts to clients struggling with their company for FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to write a compliant about Experian not taking into account the facts. 

I have tried to remedy this error five times with Experian and they keep responding with the same thing and not resolving the issue. 

I have one account that has a 30 day past due payment that is inaccurate due to a processing error on the vendors site ( XXXX ). After many attempts I was finally able to connect with the vendor and we agreed to resolve the issue. Experian is still responding with a generic resolution and not actually resolving or even attempting to resolve the issue. I have sent screen shots to prove this was an error as well. 

My payment was accepted and then not accepted do to XXXX  error. The payment was late due to website errors.I called XXXX they agreed this was a payment portal error. Screenshots were provided. Experian should remove this / good standing always. thank you Please resolve and remove this from my credit report asap. I beg of you remove this erroneous delinquency because its simply not true. 

My original dispute remains unresolved. Please remove it.

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I've been a Bank of America client for over 20 years. Until XX/XX/22 I had three checking accounts opened and in good standing. Two of these checking accounts only belong to me, and the other checking account was a joint account I shared with my husband. 
Yesterday I was trying to use my debit card to pay a metered parking and it didn't work. I called the Bank of America customer service line and they told me that the accounts were closed. I asked the reason for this and they told me, that an invalid check ( or something like that ) was deposited in the joint account. I told them that I didn't know what check they were referring to and that I need access to the money I had in one of the checking accounts that belongs to me. They were totally mean and didn't even listen to my reasons, I couldn't even access the online bank to check on my accounts, nothing worked, and the debit cards didn't work either. The worst thing is that at this point my money has disappeared and nobody from the bank has contacted me to explain anything, in addition, my husband and I have direct deposits in two of the accounts, my husband on the joint account and we don't know where the money is going to be deposited and how we are going to get access to our payroll. The bank clearly failed when they didn't notify us ahead. We didn't receive any warnings about what the bank was going to do and we didn't have enough time to report the situation to our jobs in order to change the direct deposit information. The supposed " invalid check '' was received by my husband in the mail with a letter explaining. This check was supposed to pay initial charges for a job he applied online where they wrap your personal vehicle with advertising of a company and pay you for it. If the bank considers this check as a scam should : 1. Investigate the company where the check came from 2. Avoid any checks that don't have all the signatures on jointed checking accounts to make sure both account holders agreed with the deposits 3. We are the victims in this situation because we are only normal citizens and bank account holders. We are no experts on financial fraud or anything like that and we couldn't differentiate a good check from a bad check. The only way for us to know the difference is to deposit a check and see if the bank considers it a good check. We know banks have the experts to identify illegal or fraudulent documents, even paper money and at the end each account is protected and insured. Bank of America hasn't lost anything here, we are the only victims and the bank is stealing our 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Venmo offered a credit card through Syncrony Bank with double rewards on purchases. The doubling resulted in a 6 % cash back reward offer for the first few months. I took full advantage of this offer and prior to the expiration of the special offer, I charged over {$22000.00} on the card by paying utility bills on my business in advance. My credit limit was only {$7500.00}, so I would charge several thousand dollars, then pay it off in 2 or 3 days and do it again. It resulted in cash back rewards for XXXX being {$1100.00}. 

Syncrony did not like this so they cancelled my card. Their reason was " indicative of high risk of failure to pay ''. That does not make sense when I was paying every 2 to 3 days. I also have another Syncrony credit card that I have had since 2007, 15 years. They did not cancel that card, same name, same address on the account. My credit score is also over 800. Since they cancelled the card, they refused to pay out the rewards earned. 

This is fraud! Syncrony offered an incentive to me in which they made money off of my transactions. Then they cancelled the card and refused to pay the cash rewards that I earned. Syncrony 's reply has been that they can cancel the card for any reason and then the rewards are not payable and that is written in their card agreement. Can you really have someone waive their rights so that you can commit financial fraud??? 

I told Syncrony that it doesn't matter to me that they cancelled my account. I just want them to pay the rewards that I earned. I also suggested to Syncrony that maybe they should look at my other Syncrony account that I have that has been paid on time for 15 years, it may be " indicative of high risk of failure to pay '' as well.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
ON XX/XX/22 I sent Experian a letter for information they are reporting inaccurately. They have yet to respond or correct the inaccurate information The payment status is reporting " Current Was Past Due 60 Days '' This is an FCRA Violation, and this needs to be corrected to the CURRENT status of " Paid/Paid as agrees " Ive included the original certified letter as well as my credit report with errors highlighted

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THIS HAS BEEN UPDATED TODAY AS RECENT DAMAGE! UPDATED INFORMATION XXXX XXXXXXXX CONTINUES TO POST FRAUDULENT HARD INQUIRES ON MY TRANSUNION AS OF RECENT UPDATE FROM MY TRANSUNION CREDIT REPORT TRANSUNION CONTINUES TO REPORT UNAUTHORIZED HARD INQURES! 


15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681sXXXX ( A ) ( XXXX ) Aperson 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. 

FRCA 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604A Section XXXX also states a Consumer Reporting Agency CAN NOT FUNISH a 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a XXXX XXXX XXXX for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to XXXX. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Please remove this 30-Day late payment for the month of XXXX immediately. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX, I noticed there was an unauthorized transaction. I immediately contact customer service with my financial institution. I told them there was an charge I did not authorize. As I was on the phone with the representative. Another unauthorized transaction went through. I was advised I could not dispute until it cleared. After it cleared a couple of days later. I disputed it. After several disputes and denied emails. The financial institution found no errors. After a police report and speaking with the two merchants myself. They traced my card to the purchases. Then I was advised my bank would have to be the one to reverse it. My financial institution still finds no error and will not reverse the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, 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:
sent in letter for removal of inquires XX/XX/XXXX and the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MD

Complaint narrative:
Good day. On or around XXXX thru XXXX saw a lot of pre approvals on Credit Karma. At first I didn't pay it no attention, but credit karma kept sending me all types of different credit card pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car. Everyday day I would see these offers, everytime I log in to check my credit score. After a few months of being told I was pre approved I thought I was in the right place to apply. However, I got so many offers through Credit Karma that I started sharing this information with family and friends about vacations and investments, that we were going to use with these pre approvals for. I applied on or around XXXX and got denied for a few credit cards and a personal loans, I was distraught and very angry, and I felt deceived, I was marketed for months, so Credit Karma told me that I was pre approved. This was a lie. I was severely stressed out, I was nauseous for weeks I had migraines so horribly that I became antisocial, my anxiety went from a XXXX to XXXX now, so when I see pre approvals, I immediately closed down my phone and shut my computer off, this has made me so uneasy, stressful it's very overwhelmed, that I haven't checked my credit as frequently as I used to or should. I need some resolutions for this unnecessary stress. On XX/XX/XXXX FTC order credit Karma to pay {$3.00} XXXX dollars to consumers. I've have been a victim of this false claim by credit Karma that told me that I was pre approved and got denied. The misrepresentation of Credit Karma have caused severe mental anguish and anxiety for me and my family. I have applied for a personal loan of {$20000.00} and two {$10000.00} credit cards, 15 USC 1681N saids that consumer reporting agencies must report Accurate information Credit karma violated that with deceitful practices and misrepresentation. 15 USC 1681 N speaks on actual damages. I'm owed actually damages of a result of Credit Karma failure to provide accurate information furniture on my credit report. I am owed actual damages in the amount of {$40000.00}. What company is this complain about. Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( XXXX ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at XXXX, XXXX and TransUnion.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( DOFD ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( DOFD ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at Experian, XXXX and 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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent in three separate letter requesting that an investigation on the address on my report. 

I live at my current address and there should not be no other address on my report. 

XXXX is reporting : XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Transunion : XXXX XXXX XXXX XXXX XXXX GA XXXX These jobs are not mines either, XXXX XXXX and walking into destiny

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The XXXX XXXX XXXX ending in XXXX has an incorrect balance.

Company response to consumer: Closed with explanation