vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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 added XXXX XXXX as an authorized user on XX/XX/XXXX to my Sapphire Reserve card. On XX/XX/XXXX XXXX XXXX applied for his own Sapphire Reserve card and got approved for it. I was charged {$75.00} for his use of the card on XX/XX/XXXX and {$75.00} again on XX/XX/XXXX. Since I myself wouldnt be allowed to apply for two Sapphire Reserve credit cards at the same time, it was my understanding that once XXXX XXXX applied for his own Sapphire Reserve card that he would automatically be removed as an authorized user on my card but it doesnt seem like he was. There wouldnt have been any way of me knowing I needed to manually remove him from my card as an authorized user as there wasnt any clear messaging to let me know this. I noticed he was still an authorized user on XX/XX/XXXX when reviewing my account activity and immediately sent a message to customer service through the secure message center within my online banking app to remove XXXX as an authorized user and to request a refund of the {$75.00} annual fee I was charged on XX/XX/XXXX. On XX/XX/XXXX when I log into my account and still dont see a refund for the {$75.00} I called into customer service and both a regular representative and a supervisor declined the refund saying the system wouldnt allow them to credit back the fee. It is unfair for me to pay this fee especially when XXXX has had his own Sapphire Reserve card since XX/XX/XXXX and has not used his card under my name since then. I have been a customer with Sapphire Reserve for many years now and never called in to request any annual fees to be waived and have consistently given Chase my business tens of thousands of dollars in business every year. I am very disappointed today to find out that a simple {$75.00} cant be credited back to me. Its a reasonable request back by sound logic. I have choices when it comes to this tier of credit cards and I have consistently stuck with Sapphire Reserve but it doesnt seem like the customer service is there to back up this card as I had hoped. I am seriously considering downgrading this card and moving on over to XXXX XXXX XXXX credit card if this issue cant be resolved. There would be little incentive for me to continue to give my business to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). XXXX, Equifax, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, XXXX, Equifax, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from XXXX, Equifax, and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I OBTAINED PROOF THAT EQUIFAX WAS INCORRECTLY REPORTING THE COLLECTION REPORT FOR BUREAU OF ACCOUNTS CONTROL. THEY HAVE THE BALANCE LISTED AS {$780.00}. I SHOWED PROOF THAT THE BILL WAS NEVER {$780.00}, IT WAS {$600.00} AND THEN I SHOWED PROOF THAT I MADE TWO PAYMENTS IN THE AMOUNT OF {$100.00} EACH BRINGING THE BALANCE DOWN TO {$400.00}. BY FEDERAL LAW A MEDICAL COLLECTION UNDER THE AMOUNT OF {$500.00} CAN NOT BE REPORTED TO THE CREDIT BUREAUS AND MUST BE REMOVED FROM THE CREDIT REPORTED. I HAVE SUBMITTED THE DOCUMENTS AND DISPUTED THIS INFORMATION ATLEAST 5 TIMES IN THE LAST 3 WEEKS. IVE SPOKEN TO REPS OVER THE PHONE WHO REVIEWED THE DOCUMENTS AND SEE THE MISINFORMATION BUT REFUSE TO TAKE THE ACCOUNT OFF. I HAVE REPORTED THIS TO THE BBB AND WILL RETAIN A LAWYER AS THIS IS A VIOLATION OF THE LAW. THIS NEEDS TO BE REMOVED ASAP! I ALSO SHOWED PROOF THAT XXXX AND XXXX HAVE REMOVED THIS ACCOUNT AS IT DOES NOT QUALIFY TO BE ON MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
i was charged {$69.00} for a XXXX XXXX subscription i didn't sign up for and when i disputed the transaction they denied it, the charge was for a suposedly monthly subscription but i was only charged once, and months after the last time i had flown om spirit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX Avant credit took {$1100.00} out of my bank account without my permission for a monthly installment fee that was set up in the amount of {$380.00} to be taken out the first of each month. When I called them about the extra {$800.00} they took out they assured me that they would refund me the money but, it would take weeks for me to receive the refund. 10 days later on XX/XX/XXXX I called to see where we were in the refund process as I had incurred financial difficulties as a result of them taking {$1200.00} out of my account. At that time they told me they had not processed any refund. I was assured at that time that they would be processing my refund for {$800.00}. Today I received an email that they were only going to send me a refund of {$400.00}. When I called them about this they told me they were going to take an extra payment out next month as well. My account has not been late XXXX day nor do I even have a payment due yet and they informed me they were going to take another {$400.00} out on the XXXX and not be refunding me the money they took out last month that was over and beyond my scheduled monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.

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 2023-10-17 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:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish 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 2023-10-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: CA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally bank customer servise are not professional, they never have a right answer. The due date changed on its own and the charge whatever they want. For XXXX years we have been waiting to remove couple charges and since then the charges were not removed. Ally bank rating is a XXXX star rating from all customers, which says a lot. Please help us!!

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 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I was diagnosed with a XXXX XXXX and out of work for 3 months. I ran out of XXXX XXXX and did not have XXXX XXXX XXXX. I did not get a check for 3 months. I could not make any payments at all on anything. When I startted back working, I contacted them to see if they would allow me to make payments. I made two payments in XXXX. In XXXX I forgot to call them to report that my checking account information changed. My payments did not go through. I called today, XX/XX/XXXX and ask if I could make a payment on the balance of {$180.00} and they said No, and that they have given me a chance. I explained that because of my XXXX XXXX I have XXXX XXXX  and forgot to call them to make the changes. They also have two accounts for different amounts charged on on my credit report. I only have one account with them. They are reporting incorrect information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish 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 2023-10-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I never received or applied for this card. This is fraudulent activity. This is the XXXX XXXX card which i never applied for or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I have a fiancee in the XXXX  and we had planned to marry in the first of 2024. I send her a small amount of money for her to buy the tickets and other things we will need for the marriage. 

For some reason when I try to send money using Moneygram or any other company such as XXXX XXXX i am no longer aloud to use the service. I am a person who obeys all laws that I know about and I want to fix whatever is in the system that is prohibiting me from sending money. Sending the money is not that important but if I am not incompliance with some law or rule I want to fix the issue. The reason is that I am presently preparing a passport and she is working on a XXXX. If I have broken a law are if I am not in compliance with the rules for transferring money, I would like to be advised so that I may correct my fault. 

I really would appreciate your help in fixing this, I am XXXXXXXX XXXX XXXX and I want to enjoy what life I have left, as well as possible. Thanks again for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MD

Complaint narrative:
On XX/XX/ I contacted Experian to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the experian representative that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representative told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representative that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representative by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representative made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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

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 2023-10-18 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: CA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
I purchased a Vanilla Gift Card for {$470.00}. From XXXX on XX/XX/XXXX and the card was missing most of the card number and the strip was damaged so I could not use it. I finally was able to reach a live person on XX/XX/XXXX who said to email copy of receipt, photo of drivers license, and photo of card. I was told takes up to 30 days to get new card. So I called XX/XX/XXXX since no card came. I was told it was sent on XXXX so I should get it. Nothing. I called every week after that. Then I was told to speak to lost card department and they said on XX/XX/XXXX to email the same info I sent on XXXX XXXX Then I waited nothing. Called on XX/XX/XXXX and they said to email photos again. Now its XXXX XXXX and still nothing.

Company response to consumer: Closed with explanation