vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My debit card was used fraduety and had {$1600.00} of unauthorized funds. The scammer input my information and items where mailed to my address. I never made these purchases, Im told the way the scam works is they try too intercept the items before you get them. I had 7 jackets with my name engraved which when I called the company they stated I could not return. This was from XXXX. I also received 3 male shirts ( I am a women ) from XXXX XXXX. At the time this was happened Bank Of America closed the clam stating they were paying the full amount. Weeks after- I received a letter that they were changing it to charging back {$540.00}. I have in writing the claim was to be paid in full. Despite the records showing the purchase, I never purchased them and once I received the confirmation of the full amount being paid, I moved on. Bank Of America needs to pay the full claim as they had stated. I hav3 recently supplied them with a letter I got as well the includes there was a security breach with my information.

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 2021-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted for almost a year to contact Equifax with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by Equifax to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
This is re case # XXXX. Ford Motor Credit states that it appears I XXXX XXXX, formerly XXXX XXXX and time I allegedly purchased the car for a 3rd party. FMC has continued to refer to the XXXX as justification to have pursued debt collection. I am requesting all paperwork and documentation FMC has regarding the alleged loan I cosigned for. I have never been able to determine who maintained insurance on the vehicle, who was the registered owner or who made payments prior to the vehicle being wrecked and repossessed. FMC pursued garnishment of wages for a car I never purchased and I assume FMC knows this and decided they would file a lawsuit against me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2021 I signed up online for a service from a merchant call XXXX XXXX. They sent me an email of a billing summary in the amount of {$95.00} also stating it was not billed yet. I reviewed my credit card statement on XX/XX/2021 and notice two charges of {$95.00} and {$94.00} post dated for XX/XX/2021. I contacted the merchant on XX/XX/2021 to request a refund because I didnt received a contract, receipt or services for what I paid for. The merchant refused me a refund stating they only issue refunds within 48hrs after reporting my rent to the credit bureaus. My rent was not reported, I didnt received what I paid for, I was charge and refused a refund. I contacted my credit card company Navy Federal to dispute the charges given the explanation above. Navy Federal requested supporting documents ( contract, receipts, terms and condition, communication trail ). I gave Navy Federal the only email I received from XXXX XXXX of the supposed billing summary not billed and the screenshot of the call I made to XXXX XXXX as XXXX XXXX didnt provide me with a contract or receipt for what they billed me for. My resolution is not being resolved between both parties and XXXX XXXX took nearly {$200.00} from my family mouth with nothing to show for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Between the dates of XX/XX/XXXX XXXX 2021 I had a series of XXXX charges, that were not authorized by me. The total of which was {$230.00} My phone had been stolen and someone used my account. I filed the claim with my bank BBVA and showed them how I used XXXX very little before and after these charges. The bank has stated that XXXX provided them with proof that these were intact legitimate charges. When I asked what proof there could be, the bank stated that they could not provide that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted for almost a year to contact XXXX  with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by XXXX  to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2021-08-27 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: NJ

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : { XXXX XXXX XXXX/XXXX/XXXX } { XXXX XXXX XX/XX/XXXX } { XXXX  XX/XX/XXXX } I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: KS

Complaint narrative:
ON XX/XX/XXXX I tried to contact TransUnion to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2021-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: KS

Complaint narrative:
ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Deceptive practice/Poor web design? : I log into chase 's web site to pay my bill electronically and select " remaining statement balance '' radio-button thinking this is the amount to pay so as not to be charged interest on purchases. But it isn't, I'm charged daily/variable APR retroactively on purchases because I hadn't paid off the " current balance ''. 

XXXX. How could that be? Mistake # 1, my bad, I typed an '8 ' instead of '9 ' resulting in a significant underpayment typo. Mistake # 2, Chase 's bad, because of the subtly deceptive payment interface/bad UI design I routinely use to pay off my account balance. I usually do a perfunctory check of my " account activity '' on chase 's web site to check charges but it is so slow, and cumbersome that when I have many charges it takes forever to update and unfortunately ( for everyone ) the " interest charge '' is the last transaction at the very end. Wait, wait, and wait some more. Fortuitously, it was when I stopped waiting and downloaded pdfs of my statements to verify transactions that I discovered the APR charges. So failure to wait, forever, is mistake # 3. 

So there's a HUGE difference between selecting " remaining statement balance '' meaning interest will be owed, and " statement balance '' no interest owed for payment. So why not make it explicit. Highlight in red, use an asterisk, flashing font, something. TO AVOID INTEREST YOU MUST PAY CURRENT BALANCE. After realizing these aforementioned " mistakes '', I more carefully perused Chase 's S-L-O-O-O-W website. Even under " account Activity '', sub-menu popup panel " .. /Credits/Purchases/Fees Charged '' I didn't see an amount for interest charges. It is in the pdf statement, on the web it takes perseverance to find. Deceptive, typical UI trick. 

Yes, I filled a survey on their website and complained to customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get Equifax to show my credit history for the past 2 months, Ive been working with my loan office to get them to show my credit history. We have tried all other options but they ( Equifax ) refuse to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The length of the late payment is on my credit reporting company too long.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}

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 2021-08-27 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: Chime Financial Inc
State: DC

Complaint narrative:
I made a purchase through XXXX back on XX/XX/XXXX and due to Covid they had delays in shipping. I filed a dispute with XXXX  and they were working with resolving the shipping not arriving as proposed by the merchant. On XX/XX/2021 I received a small bag with nothing but a packing bubble. I contacted XXXX  with the pictures and they haven't responded nor issued me a refund on the purchase of 24 inflatable chairs. I then filed a dispute with my bank to which they have denied my dispute of fraud on the merchant. I'm out of {$140.00} and I need help with retrieving my funds from a transaction that everyone else has benefitted from but me.

Company response to consumer: Closed with explanation