vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Experian is in violation of the FCRA and XXXX for failing to investigate and delete or corrected the above disputed item. A dispute was open via Experian.com and via certified mail asking Experian to conduct an investigation and delete or correct the items above. Experian did not conduct an investigate, deletion or correction for the dispute above.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/23 I requested Navy Federal reverse the {$250.00} charge after finding out that the plastic water heater valve needed to be replaced with the new metal XXXX per manufacturer that XXXX XXXX installed. XXXX XXXX never informed my mother of this which they should be liable for due to the significant damage this caused. I sent Navy FCU requested documentation and video damage via app and online. Navy FCU kept sending several emails to send it in which told them I had and it could be seen on website which now they have removed. They don't leave claims in the system. They send out these generic emails advising claims are denied with no explanation as to why. Everything attached here is what was sent Navy FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX gift card for {$50.00} is declined every time I have tried to use it. Online or in store. I have checked the balance numerous times. Verified everything. AMEX customer service is no help. Online assistance is no help. Website hardly works correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

XXXX XXXX Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX  Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
I sent a letter certified mail disputing XXXX charges on my Apple credit card. The tracking for the letter was XXXX, it was received in XXXX. The bank never investigated my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In the month of XX/XX/2023 I made a lump sum payment to the company US Auto Sales, This was after I had to put {$4200.00} into repairs on the vehicle that they wouldnt fix, nor reimburse the monies, The first week of XXXX the vehicle was repossessed by the company, no notices or attempts.the end of XXXX I received an letter stating that the vehicle would or was stole at auction. The First week of XXXX I was harassed by Westlake financial services stating that I owed them {$18000.00} plus dollars this after making payments on the vehicle for almost XXXX years with US Auto Sales, I informed the representative that I didnt have possession of that vehicle since XXXX. They stated that they were the new account owners and that I still owe. Now both lenders are on my credit and both is refusing to remove the negative balance

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: GA

Complaint narrative:
Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXXXXXX 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 2024-01-06 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: GA

Complaint narrative:
Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I have a mortgage with Cross Country Mortgage company. They reported that my payment was XXXX  days late XXXX times. This is incorrect. Since having the Mortgage my payments have been on time. In XX/XX/XXXX, I submitted my payment on XX/XX/XXXX. ( I have a grace period of XXXX  days ) Cross Country applied the payment on XX/XX/XXXX. The XXXX payment is not XXXX  days late. For this month, XX/XX/XXXX, I tried to make the payment but could not because Cross Country posted that some other company bought the loan so payment can not be made until XX/XX/XXXX. The information reported on my account is wrong and this is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On the XXXX of XXXX, XXXX in the evening, I deposited 6 checks into my Citizens bank account at the Citizens Bank ATM in XXXX XXXX, XXXX. Massachusetts. 

I deposited 1 similar check also that evening into my Citizens Bank Business Account. 
The checks were all put on hold but after the next day, the check i deposited in my Business Account was cleared, while the 6 checks in my personal Account was still on hold..after a week, I called the check owners to confirm if the checks have been cleared from their respective bank of which they confirmed it has, but my bank kept mine on hold. I called Citizens bank and was told the money will be available for use on the XXXX of XXXX, XXXX. 
I went into the bank on the XXXX of XXXX and was told that my money has been out on hold until the XXXX of XXXX, XXXX. 

I have never heard check be put on hold for 5 months. I called again and was told it will be released on the XXXX of XXXX. On the XXXX of XXXX, I asked to speak to the department which is the Fraud and Claims Department. They were so so rude, I have never encountered such rudeness in my life. She stated that they won't release the funds to me. That there is inconsistency in the checks..then I asked her to either verify with the bank whose check was issued or just refund the owners of the checks so I can get cash instead... she hung up on me. I have explained to them that I have mortgage payments that are due and like wise car loans etc. 

This funds from the checks are mine ... .every one of us contributes monthly and gives the full amount to whom it's due... so there is nothing fraud about it ... they could have easily verified from the owners ... but 5 months I can't take ... it's so distressing emotionally especially when I know I have important bills coming up and children school fees. I need my funds or they refund the owners asap..and I can get my cash from them ... or I will sue for damages. 

Thank you much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
After getting various mail offers from them, I applied for a business credit card with American Express the first week of XXXX of 2024 and was denied due to the length of my own personal accounts being opened and because of the balance being higher than they'd like on some of the credit cards. 

Banks are required by law to provide small businesses XXXX funding without showing documentation as long as an XXXX and EIN are in place pursuant to 12 USC 1431 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my Chase Freedom credit card to make a purchase at the XXXX XXXX XXXX XXXX store in XXXX XXXX, NY on XX/XX/XXXX. My Chase Freedom card had a cash back deal for 15 % back on purchases made before the expiration date of XX/XX/XXXX. The cash back for my purchase of {$59.00} should be {$8.00}. I have not yet received my cash back totaling {$8.00}. I have contacted Chase customer server on numerous occasions providing the details required to issue the cash back. My first contact was on XX/XX/XXXX with XXXX who stated she created an escalation to receive the reward. I spoke to XXXX on XX/XX/XXXX and was told they were still working on it. I received a letter in the Chase message portal on XX/XX/XXXX stating the Bank needed additional information. I called on XX/XX/XXXX & was told to send the paperwork that proved I satisfied the terms of the offer via the Chase message portal. I received a letter back almost immediately stating they don't accept documentation via the portal. Unbeknownst to me, the case was then closed. Only when I called back to check the status of my case was I informed the case had been closed. At that point I requested to have the case re-opened. I contacted Chase once again on XX/XX/XXXX and spoke with XXXX who stated that as of XX/XX/XXXX the Bank was still working on it. I checked my portal again and on XX/XX/XXXX there was another letter stating that I was requesting {$28.00}, which I have never requested. That is the maximum amount allowed under the promotion. If the representatives can't get the information correct how am I supposed to get what I am entitled to? I have proven I satisfied all of the requirements of the promotion and I am entitled to {$8.00}. I feel Chase is giving me the run-around in hopes I give up my quest to receive my cash back promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2024-01-06 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: NV

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This is a formal complaint that GM FINANCIAL have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, GM FINANCIAL have failed to do so. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over XXXX  days ago and you have not yet responded : Re : Acct # XXXX Make of car : XXXX  Model : XXXX XXXX XXXX XXXX XXXX This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile.

Under federal law, you must complete your re-investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. 

I have attached my original letter, documents and USPS tracking #

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I reached out to the company and asked if I can speak to the guy that sold the car to me come to find out the guy was fired because of fraudulent which what happened was I was not supposed to be the owner of that car so whatever information he sent to me was not the information that I was supposed to get which meaning the information that was supposed to give to me was only supposed to be me being a co-signer but with that being said everything was done over the phone and it was something that he did to release that car and I try and reach out they said that they fired him so I feel like I am not responsible for this car they had already came and got the car I reached out to them for them to come and get the car they sold that car far however much they want to sell it for and now they put it back on my credit so I've been trying to dispute this off my credit because I am not responsible for this and I've been disputing this for the last couple years can you please dispute this off my credit thank you

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 2024-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
For a quarter of a century, I have called this farm my home, tending to its every need. However, around XXXX, XXXX XXXX relinquished my mortgage to M & T Bank. Despite the change in ownership, I remained steadfast in my commitment to timely payments. Recently, as I made the difficult decision to sell my beloved property due to financial constraints, an unsettling truth came to light. It came to my attention that M & T Bank had failed to accurately document their acquisition of my property as a mortgage holder at the XXXX XXXX  Tennessee courthouse. Since the anticipated closing date of XX/XX/XXXX, I have tirelessly reached out to M & T Bank on a daily basis, desperately seeking their assistance in rectifying the erroneous deed at the XXXX XXXX  Tennessee courthouse. With the impending sale of my farm hanging in the balance, I have pleaded and implored for their intervention. Countless conversations with supervisors have only resulted in deceitful promises, leaving me feeling utterly betrayed each time I make a call to them. In my vulnerable state as an elderly woman battling a XXXX XXXX XXXX XXXX I cant help but feel exploited. I beseech anyone who can offer aid to please step forward. My contact number is XXXX, and my email address is XXXX. My fervent plea is for M & T Bank to rectify the deed at the XXXX XXXX Tennessee courthouse promptly and accurately, utilizing either a deed of trust or warranty deed, so that I may proceed with the closing on my farm and fulfill my obligations to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Reported XXXX  of a parent and execuitor. Provided dXXXX XXXX and court papers. Requested balances as of date of XXXX  for the court on XXXX. Wells Fargo Rep XXXX XXXX has failed to follow up once he was told we would not be opening an estate account at Wells. Need change of address, change in execuitor and balances as of XXXX  to report to court. i have also called customer service and no one follows up.Need information on CDs and Checking Acct.

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