vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-21 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I paid my entire balance of my Express credit card on XX/XX/XXXX. I did not receive any bill stating that there was {$6.00} interest charged on the next month for the previous balance until XX/XX/XXXX which was already over 30 days past due. I have tried to call the express card company Comenity Bank 6 times and can not get a live person. Every time the line disconnects when the automated system says its trying to transfer me to a live representative. I need to understand why I was charged interest on a balance that was paid in full and why I wasnt sent a bill or received any calls from them advising a payment was missed until it was past 30 days overdue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: TX

Complaint narrative:
I applied and received a loan from this lender, Lending USA ), on XX/XX/2023 I did everything online, the money was deposited, and everything was going right until the moment I asked to access my account online, so I could make payments and see statements. 
Since I received the money, I have been trying to get access, they said their IT needs to resolve the problem. there is a problem with my account, I have been trying to contact them almost every day to get this resolved, so I can make the payments, and due soon, but i can not pay it They always say " We will contact you in 3 to 5 days '', A month has passed, and nothing... 
I have called them almost every day, but nothing has happened. I have requested to talk with the supervisor, I did speak with him once, but after that, he refused my calls, His name is XXXX XXXX. 
I just want to pay the loan, but I can not, I want to see my account, but they don't allow me ; I want to fix the problem, but I can't ... poor customer service.. 
at this point, I am ready to get another loan and pay them in full so i dont have to deal with them ... ever

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I pay {$500.00} annually for a Chase Sapphire Reserve credit card. I can't use most of the benefits because I don't live in a big city. 

I agreed to the " free member benefit '' of one year of complimentary XXXX XXXX XXXX I was then automatically charged for another year of XXXX. The same auto-enrollments also happen with XXXX and XXXX XXXX XXXX 

It is difficult enough to cancel memberships I know about. Benefits such as " Complimentary '' annual memberships that automatically become paid memberships are not beneficial ; they are an underhanded way to commit consumers to unwanted membership fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My ex-wife ended up using my capital one 360 account to make several payments to her credit cards. After she realized she used the wrong account she called me and told me and told her credit card companys however they told her I needed to work it out with capital one 360. I opened several claims ( Claim # XXXX for account ending in XXXX ) and told capital one these were unauthorized charges and needed to be kicked back to her credit card companies. There were other claims open as well however the rep I spoke with couldnt find them. I come to find out today they capital on denied my claims and stated I capital one I gave them authorization which I didnt. They pulled they call and told me I was right however they wouldnt reopen my claims of unauthorized credit card payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: GA

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were made : 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 2023-09-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
In XXXX my husband and I each received a XXXX $ virtual card from XXXX because our identities were stolen. XXXX sent me a link to a website. I used a code but I got no card number. Last month I received an email from My Prepaid Center asking me to retrieve a card number so I could use it by clicking a link. I thought it was a scam, so I ignored it for fear they would steal my identity. But my husband got the same email, he tried it and told me it was not spam. 

So I clicked the link only to discover that the XXXX $ card XXXX gave me contained less than XXXX $!!! The prepaid center site had been taking out fees of {$5.00} a month!! On a XXXX $ card!!! 

I couldn't use the card because I didn't have a number and was unable to load it into a wallet, so I was worried that every month they would keep billing me even when my card was empty. 

The same thing happened to my husband. After hours of talking to people, the company told him it was a computer mistake and they would refund and send him a plastic card. He got no proof in email, so he contacted the consumer finance agency and they made sure he got the money back and a physical card. 

He told me to call My Prepaid Center so I could get my money back. I called today, XX/XX/XXXX, But my prepaid center told me there was no computer mistake, and I would get no refund of fees. They said that I would be charged XXXX $ for every month the unusable card sat on their system. They refused to send an email promising to stop the fees after the card was emptied by them. I became afraid they would send me to a collection agency for fees on a card that I couldn't use. 

The support person said they could not send me a promise in writing that I would not continue to be charged. 

When I told them that they refunded my husband 's fees, they lied and said it was a different type of card and a different set of rules, but it was the identical card from XXXX. 

I am a woman and have a foreign accent, so I became suspicious when we were treated differently under the exact same circumstances. Why would they refund my husband 's card and not mine? I wonder if the scam is to see who they can bully into accepting the fees. Perhaps they thought I would not file a complaint because I'm a woman and XXXX. 

I just want my XXXX back and a physical card. I want the government to look into the legality of these fees. 

I don't have a card number, but my account is found by using my email - XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Records with the company will reflect numerous conversations regarding extra deductions from my account, several calls requesting car be started due to incorrect disabling. These problems occurred over the course of calendar year 2022.I was directly and blatantly lied to by customer service as well regarding trading in vehicle and refinancing for lower rate. Sent to dealership in XXXX GA, and advised by staff that would never occur. Finance manager at location further advised customer service for US Auto Sales was incorrect. Account sold to westlake, no information given.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express previously suspended my access to my BlueBird and Serve prepaid cards which was an automatic action their algorithm did.

They reactivated the cards following a CFPB complaint I just issued a week ago. 

However, they left the Add Money Via Debit/Credit Card feature disabled. 

When I was trying to get the accounts reactivated as a whole one of the reps sent me an email that would allow me to activate the debit card add feature by verifying my ownership of the card I was adding by sending a scan of both that debit card, and my drivers license.

The only issue was at the time my account logins were still deactivated due to the algorithm but that caused this all and I could not login with the link the rep sent as it required me to have a working Serve login.

So, I am requesting that American Express *FULLY* reactivate my Serve and Bluebird accounts ( as I requested in the previous CFPB complaint ) by reinstating the debit/credit card add money feature. 

I will attach a copy of the email the representative sent to my offering to fix this problem. 

All of your phone reps act as if they are totally unaware of this process and are advising me I am permanently banned from the service. ( the reason for that is never given and I have no earthly clue why that would be ). 

Serve card number : XXXX Bluebird card number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I originally submitted the below complaint on XX/XX/XXXX regarding the Bank of America. The CFPB responded last week and said the Bank of America would be in direct contact to me but I have not heard anything over a week later- I have been told this is quite odd. Please ask the Bank of America to forward me their response and please send me the response that the Bank of America said it was going to forward to you the XXXX. 

Thank you, XXXX XXXX " Dear XXXX, We want to know how the Bank of America allowed the Bank of XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/XXXX given that the Bank of America had first lien position on the property. According to the XXXX XXXX XXXX XXXX XXXX, the Bank of XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife , XXXX XXXX XXXX were given at closing on XX/XX/XXXX. We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. Thank you, 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 2023-09-21 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: WV

Complaint narrative:
Experian refuses to fix the addresses on my credit report that are NOT mine, I try to upload the documents, and says its invalid, but I am sending them PDF as the directions say. This is their way to not taking these addresses off of my credit report.. this is getting to be ridiculous. It shouldn't have been this difficult especially when I did as it said in PDF form however, it had an excuse every time as to why it couldn't load them. I don't live at these addresses on my credit report. It needs to be fixed 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 2023-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Business Factors
State: CA

Complaint narrative:
XX/XX/XXXX I spoke with National Business Factors, INC this morning and was told that my medical dept will start to impact my credit score starting this XXXX. I reminded them that medical dept is exempt from negatively impacting your credit score and they said that is not true. As I understand " As of XX/XX/XXXX, paid medical collection debt won't appear on consumer credit reports ''. 

I find these tactics extremely malicious. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I withdrew XXXX from bank of america atm in XXXX ma. the atm only provided me with XXXX and ran out of my money. I called right away and was told it would be credited in two business days we are now on day ( 5 ) and still has not been credited to my account. each time i call always getting different answers with nothing being resolved and my money returned to account! 


please help me resolve this issue! 

sincerely, 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 monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Betterment LLC
State: TX

Complaint narrative:
I rolled over my IRA from Betterment account number XXXX, and I sent it to XXXX. Betterment charged me {$75.00} to do that, and they did not disclose this brand new policy of charging as of XXXX nor did they tell me about the charge when I initiated the rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I bought an item through Walmart online, through my Walmart account via PayPal. I tried returning the item 4 times. No response from Walmart. I contacted them via phone. They assured it would be refunded, no further action by Walmart taken. It has been over 6 mos.

I then found the charge on my PayPal was refunded. And I had a positive balanc eon my Paypay account. Then about a month later ( XX/XX/23 ) I was recharged for the same billing. From the same company. I disputed the charge and I have had no response. I packed the item and took it to Walmart and they refused the return.

The I find out Synchrony handles the entity 's finances on all accounts. Synchrony has manipulate dmy accounts before with Walmart and Samsclub a year ago and it took extensive work to get them to correct the actions.

Synchrony, has manipulated my accounts a couple of times on 3 different platforms!!

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 2023-09-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were made : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were madXXXX 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 non-monetary relief