vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2022 I enrolled in a Home Depot Consumer Credit ( operated by Citibank ) which advertised a savings of {$50.00} off the first Home Depot purchase of {$500.00} - XXXX using the card. The advertisement for the card listed several exclusions, but did not state that the {$50.00} could not be combined with any other offer. 

On XX/XX/2022, after enrolling in the Home Depot Consumer Credit Card, I attempted to make an online purchase on homedepot.com of {$850.00} but was unable to access the advertised {$50.00} savings online. I called Home Depot Consumer Credit on XX/XX/XXXX and spoke with an associate who confirmed I was eligible for the {$50.00} savings, that I should go ahead and make the purchase, and then call back 48-72 hours after making the purchase to request that the {$50.00} savings be applied to my purchase retroactively. Based on this guidance, I proceeded to place the order on homedepot.com. 

On XX/XX/XXXX, I called Home Depot Consumer Credit and to request that the {$50.00} savings be applied to my purchase. At that time, I was advised that I was not eligible for the {$50.00} savings because I had already received a 10 % veterans ' discount on the purchase from Home Depot and the Home Depot Consumer Credit Card {$50.00} savings could not be combined with any other offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX  to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Fradulent Inquires on 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have multiple checking accounts with Chase. One of which went into overdraft and was subsequently charged off. Numerous overdraft fee charges were incurred over the Covid time period which pushed this account into overdraft. This account has me as primary with my adult daughter as secondary. She did not take action quickly or definitively with the bank to get relief from the overdraft charges. She was embarrassed to be behind while trying to manage the situation. However, Chase closed this account without notifying me ( as primary who resides in different address ) despite the overarching relationship that I have with the bank. When I inquired around XX/XX/XXXX upon noticing the account was closed, I was told that it was too late to adjust a charged off account. Additionally, all prior history of the account including electronic statements has been removed from my profile. When asking Chase for relief, they refused to review the prior history and overdraft fees. Had the fees been waived, consistently and equitably across all consumer accounts during Covid ( instead of wait until they call approach ), this situation would have been avoided, and there would be a positive balance of over several XXXX dollars. Also, in conversations with Chase through XX/XX/XXXX, they finally did send me the XXXX but not XXXX bank statements. Just in XXXX they charged {$340.00} of overdraft fees of which {$200.00} occurred in XXXX and XXXX. I was not able to look at XXXX despite 3 requests to provide me the statements for XXXX, XXXX and XXXX ( over the Covid period ). Also, the collection department requested that I pay from an existing deposit account to cover {$58.00} written off, which I initially was agreeing to, however, in the call the representation asked me to confirm the withdrawal which I did not agree to. Because he stated this could be escalated, I opted for the escalation. Because Chase will not address holistically, I am reaching out to both the OCC and CFPB to exam the collection practices to 1 ) eliminate any write-off/collection and reimburse me for the {$58.00} withdrawn without my consent OR provide COMPLETE transcripts of all phone calls with the bank showing my agreement when the rep asked to confirm the withdraw at which time I did not reaffirm, 2 ) get copies of the last three years of activity for this account ( specifically for XXXX ), and 3 ) OCC and CFPB review the account for XXXX and reimbursement of excessive overdraft fees which is fair and equitable during the Covid period and which should have been consistent applied once the customer realizes and escalates to the bank. Had I been more aware of their deceptive practices, I would have escalated myself rather than assume they were doing the right thing and working with my daughter directly. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I was recently denied credit today XX/XX/2022 due to Chex Systems reporting inaccurate, unverifiable, incomplete information under the account they maintain under my social security number. 

They are reporting an unpaid overdraft at XXXX Bank in the amount of {$220.00}. I challenge the accuracy, compliance and reportability of this listing. By their inaccurate reporting I am being denied credit and this must be corrected 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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on Experian and XXXX. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer 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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Tried to use Chase debit card to withdraw money on XX/XX/XXXX, ATM said visit branch. 
Visited branch, told accounts were " closed '', but funds NOT available to withdraw. No reason given except " bank decision to close account ''. 
No funds available to me because my savings account was closed as well as my Chase credit card. Reason : " You'll receive a letter in the mail within 10 days with Chases " reason to close account, '' Friday, Saturday, Sunday, Monday, Tuesday, Wednesday, Thursday, no money available to me thru XXXX XXXX. When looking at my Chase App, shows all accounts, no mention of any restrictions or closure. Only way I knew was because I tried to use the debit card. Shouldn't a bank notify a customer if account full of money is suddenly closed??

I visited the branch Thursday afternoon and demanded my money. With much time and patience, my money was given. So no reasons for closure. I must start all over with another bank. Chase has been an absolute nightmare for my family. Found out today, now they closed my son 's account, no reason. He is unable to get any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Accounts XXXX of XXXX closed account ( XXXX ) XXXX XXXX closed account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer 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 non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have tried to reach out to this company and Experian to clear this up and neither one has returned my correspondence. I even sent it registered mail and have not got a returned response of what I am requesting so I am doing it here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a credit card charge that i am not aware or have not authorized. I filled gas at a XXXX, XXXX gas station and the merchant told me that the card is declined. I then paid it by another card. However, the merchant fraudulently charged lot of money on my card. Citi bank declined to fully investigate this. They did not get any information from the merchant and they clearly stated it in the letter i received. Despite of this, they closed it stating that it is valid because i gave the card to the merchant. They ignored on what i stated about card decline. Full details of what has happened is in the attached letter. 

I kindly request authorities to look into this case and particularly the way they have conducted this investigation, because this type of partial or weak investigation is going to impact lot of customers like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, Experian received a dispute about an account on my consumer report, XXXX  XXXX XXXX, XXXX, As noted, I have submitted numerous disputes about this account. Experian noted that the estimated resolution date would be XX/XX/2022. As of XX/XX/2022, Experian has not completed this disputed. It has been well over 30 days, and they have not been able to validate this account. According to the Fair Credit Reporting Act, Experian had 30 days to investigate the dispute and remove any items proven to be inaccurate, unless notified that it may take longer. As of XX/XX/2022, I haven't received any notice that Experian needs more time to investigate the account. According to law, this account has to be removed if they are not able to validate the account. Remove this account from my consumer 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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX XXXX XXXX XXXX. HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XX/XX/2022, I mailed in the payments for both mortgages. SPS applied BOTH payments to only 1 of the mortgages. I contacted them on XX/XX/2022 to correct the problem. I was informed from a SPS associate that it could take up to 60 days to correct. On XX/XX/2022, I found out that SPS had reported to the Credit Reporting Agencies, that I was late on my mortgage payment and my credit scores DROPPED XXXX POINTS. I called SPS again on XX/XX/2022 and discussed the problem with them to no avail. They refuse to expedite the correction and now I am fearful that they will report another late payment in XXXX. Yesterday, I applied for a small loan with my bank and was declined due to a low credit score. HELP ME PLEASE!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute of an item on my credit report, they reported it as a valid debt. When I called the number of who they said holds the debt, the company told me there is no debt on their file. I resubmitted the challenge and they again asserted it is valid, but the company still says it is not in their system. So I have no way to settle the debt, nor remove it from 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer 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 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Made a agreement for a bag listed on XXXX with XXXX XXXX ( XXXX  username- XXXX XXXX. She posted a bag and I made her an offer. She messaged me in a comment saying she would accept my offer if I did it off PM and send her money via Zelle. I said I would pay half ( {$400.00} ) and the other half ( {$400.00} ) when she sent a video fo her shipping and the XXXX tracking. I just got the box today and it is a weighted ball. No bag! The XXXX  label says name XXXX XXXX ( XXXX ) XXXX ( which is the number we later texted on ) and the address XXXX XXXX XXXX XXXX In, XXXX ( not sure if this is her real address ). No recourse from Zelle.

Company response to consumer: Closed with explanation