vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
They illegally went into my account and took {$250.00} for a {$40.00} bill. They are giving me the run around and saying they will send a check then I call back to confirm and they never sent said check.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This Morning i woke up to a Hard inquiry from Capital one bank. I never applied for any forms of credit so Im not sure why there would be a hard inquiry on my account. Also i havent applied for any forms of credit because i been trying to clean and repair my credit. I called capital one as well as XXXX to report this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid my macy 's bill of {$430.00} twice and requested a refund of the {$430.00} on XX/XX/2023. On XX/XX/XXXX, I called the customer service line to inform them that I did not receive the refund check of {$430.00}. The representative said that a new check would be sent or a refund to my account. Neither solution was instituted and there is no evidence that a check was sent or a refund to my account. I called for the third time today for the refund of {$430.00} and was told that I must wait 6 months for the XX/XX/XXXX check to expire before any further action can be taken by Macy 's credit. Further, they requested my birth date and last 4 social security number, even after I gave my account number. No supervisors would speak to me. 
Please help me get my {$430.00} back from Macy 's.

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have received several applications for credit cards I never applied for. It appears that someone is using my social security number to do so. The last notice I received was dated XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase bank has an unauthorized inquiry on my XXXX  credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to chase via certified mail to let them become aware of what it is i want and the current situation. In the letter i also let them be aware that i would be copying the cfpb so it would force their hand to respond. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently check my credit report and I saw some incorrections that were not mine

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 2023-11-27 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:
I recently check my credit report and I saw some incorrections that were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in XXXX and no payments have been made to them in nearly 10yrs this repossesion should be removed from creidit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX  incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, Experian, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : 1 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and Experian. 
2 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
3 ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX to correct the issue they initiated. No response. 
4 ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.

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 2023-11-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2023 I stopped in the port of XXXX ( our only stop ) on a XXXX XXXX. I got off the ship and did some shipping at the port only. If you look at the map, there was no way I could have done a day long drive all the way to the clinic to swipe my card and then come back. I WAS ONLY IN PORT FOR THAT ONE DAY. [ see image-1 ] [ see image-2 ] XX/XX/2023 - I discover the fraudulent charge on my card. I call wells fargo credit card fraud and they say they will look into it and will hear back in 15+ days. I wait. I receive another letter in the mail to email XXXX with all proof and documentation and a copy of the form they sent. I send it on XX/XX/2023 then follow up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response via email so I also made phone calls. Wells Fargo tells me to contact the Clinic directly which I did ( made several phone calls ) with no response. 

XX/XX/2023 On this day, Wells Fargo got rid of the fraudulent charge and cancelled my account. But then days later, they created a new account and put the charge back in it. 

XX/XX/2023 I receive another leVer saying dispute declined. I call the number and have them reopen it again. 

XX/XX/2023 - Contacted the Clinic on via XXXX XXXX because they wouldnt answer my cell phone calls. They said they would look into the charge and they would even give me the signature page of whoever signed on my behalf. because they require a signature for all transactions. 

XX/XX/2023 - I got a response from the clinic saying they checked their books and they dont even have a charge matching the amount on my statement. [ IMG_7672 to IMG_7675 ] So the fraudsters probably just used this company so it couldnt be tracked to them. 


XX/XX/2023 went to Wells Fargo to Fax all information ( because they said they dont accept emails even though they originally told me to send emails to XXXX ). During this, I was on the phone with the fraud department to make sure I had the right number and that they would receive it. They said it would take at least 10 days to receive the fax But then I receive the 2 letters back to back over the XXXX holiday : XX/XX/2023 - dated letter that says my claim is being reopened. 

XX/XX/XXXX, XXXX dated letter that says " disputed charges are valid and appear authorized by you. as a result, you are responsible for payment and your claim has been closed '' [ *please note there were several more calls to Wells Fargo Credit Card department and fraud departments but I didnt write them all down ]

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 2023-11-27 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: MI

Complaint narrative:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, specifically the late payments for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I have asked my mortgage loan servicer to waive escrow. Servicer says " internal lender guidelines '' indicate escrow will not be waived due to loan interest rate reduction offered at origination. I have asked for original agreement stating a lower interest rate will be offered in exchange for escrow loan for the life of the loan. Servicer has been unable to provide anything in writing showing I agreed to this term or provide the " internal lender guidelines '' indicating this is a term of the loan. 

I have reviewed my original Closing Disclosure, note and mortgage and do not see anything indicating escrow is due and will not be waived for the life of the loan. In fact, I see clearly in the closing disclosure escrow can be cancelled on page 4 of 5 of the Closing Disclosure. 

This loan was originated in XXXX  and to date I do not meet any of XXXX XXXX XXXX  criteria to deny a request to waive escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

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 2023-11-27 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: MI

Complaint narrative:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

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 2023-11-27 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: FL

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these hard inquires deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please delete all the fraudulent hard inquiries from 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Bank Fraud Subject : Urgent Matter - Multiple Attempts to Address Fraudulent Charges on My Account Dear Discover Bank Fraud Department I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my Discover Bank Credit Card. Over the past two years, I have made numerous attempts to address fraudulent charges on my account, but unfortunately, the issue remains unresolved. 
In late XXXX, I first noticed unauthorized transactions on my Discover Bank credit card statement. Alarmed by these charges, I immediately contacted the Discover customer service hotline to report the fraudulent activity. The representative I spoke to assured me the matter would be thoroughly investigated, and the charges would be reversed. 
To my dismay, the fraudulent charges were not removed from my account, and I subsequently made several follow-ups calls to your customer service department. Each time, I was assured that the issue would be escalated and resolved promptly. However, despite these assurances, the unauthorized charges persist in my statement. 
In addition to phone calls, I have also submitted written complaints through your online CFPB, FTC, and Disputes through the credit bureaus. Regrettably, I have not received any acknowledgment or resolution to my concerns. Other than, " We have been unable to contact you, " My contact information is the same. I find it incredibly frustrating and disheartening that my attempts to address this matter have gone unanswered for so long. I am not denying the account is mine. 
I understand that resolving fraud cases can be a complex process, but Discover Bank lack of communication and action is deeply troubling. However, the current situation has eroded my confidence in Discover Banks ability to protect its cardholders from fraud. 
Please thoroughly investigate the fraudulent charges on my account and provide a detailed update on the steps to resolve this matter. Additionally, I would like to resolve this matter as quickly as possible. 
I appreciate your immediate attention to this matter and trust that Discover Bank will rectify the situation promptly. I am willing to provide any additional information or documentation to aid in the resolution of this issue. I have asked Discover Bank for statements showing itemized TRANSACTIONS for the years XX/XX/XXXX through XX/XX/XXXX, but they refused to comply. 

PS. Enclosed are a list of documents : 1. Drivers License 2. Identity Theft report filed with FTC XXXX. XXXX XXXX XXXX XXXXXXXX stating they are unable to contact me after sending multiple dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America, I have trouble recognizing an account ( s ) on my credit report. It says I allegedly owe on multiple credit cards, account numbers # XXXX, XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.

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 2023-11-27 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: PA

Complaint narrative:
I have tried several times to use this American Express prepaid card online as it is an egift card. Every time I attempt to use it, payment gets rejected. Yesterday, XX/XX/2023 I attempted to purchase from XXXX XXXX  through XXXX but it was rejected. I was charged a XXXX fee but the order would not go through. I also attempted to load {$10.00} to my XXXX app, but that also was declined. These companies say they accept American Express, so I don't understand why it keeps getting declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX repossesion on credit report should be removed from all three credit bureaus I havent made a payment to this company in 10yrs since the repossesion this needs to be removed time has lapsed on allotted time for reporting i never made any payment in XXXX  disputes have been filed but not honored to all credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I opened up a new checking account at Ally bank using the promo code " XXXX XXXXXXXX '' where I was supposed to get a XXXX $ payment for opening an account and posting a XXXX $ direct deposit. I met the requirements with a direct deposit payment from my business checking account at XXXX XXXX. I've called the bank directly at least 10 times inquiring about the payment and the teller says everything looks good and to wait on a call back which I never received. I opened the account back in XXXX and the direct deposit of XXXX $ from XXXX XXXX posted on XX/XX/XXXX. Even if Ally wants to say that business checking payment doesn't count as direct deposits they could have communicated that to me during the offer window in which I could have found another way to satisfy the requirements but I have received zero communication about my situation other than my own call ins to these customer service reps that don't know anything about the situation or have any authority to make any decision.

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