vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: Remitly, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I ordered a membership for discount oversea travel with XXXX $ but then they ask me to put credit card information and the account use to transfer money to activate account, but then I dont know they got my password and charge XXXX $ and XXXX $ without my permission I try contact them but they blocked me, and then I call my bank to dispute it at XX/XX/XXXX until XX/XX/XXXX they declined my dispute, and I already contact to Remitly App money transfer they block my acc and refused to help resolve this case. I need u guys help to fix it please!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: ND

Complaint narrative:
I XXXX XXXX am I writing in regards to inquiries on my report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
As of the start of XXXX XXXX I had {$7400.00} in student loans managed by Aidvantage. With the renewal of interest and payments on student loan debt in XXXX XXXX, I sought to repay the remainder of my loans. 

On XXXXXX/XX/XXXX I attempted to pay the total remaining balance but this payment was reversed and rejected. I made an additional attempt on XXXXXX/XX/XXXX with the same results. I called customer service on XX/XX/XXXXXXXX  once I realized my payment had yet again been reversed. They speculated that a lowed payment might clear the online banking system safeguards. I made a payment of {$4200.00} which was accepted. I then made an additional attempt to pay the remaining balance on XX/XX/XXXX and on XX/XX/XXXX, both of which were rejected, despite the fact that payment attempts were less than the successful payment of over {$4000.00} made on XX/XX/XXXX. I have since emailed Aidvantage customer service to ( yet again ) request to close out my remaining balance. I have also informed them that I would file a complaint with this office. 

Since my first attempt to repay my balance, I have accrued {$150.00} in interest, which I have requested they remove from my account balance before closure of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MA

Complaint narrative:
Im looking to get these inquiries that I do not recognize off my credit report they have been on there for longer than the time frame they were suppose to be and most of them I do not recognize nor authorized for them to pull my 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-20 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX of XXXX Tx They are saying I owe them {$2700.00}. I don't know for what because I had medical Insurance and it should have covered what I went there for which was a cold and I was told I was dehydrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
The company has my XXXX XXXX account which has a credit limit of {$200.00} listed under most recent section of the credit report but don't list my XXXX Account which has a credit limit of {$500.00} in that section. But then turn around and calculate it in Revolving Credit Limit and Balance section of {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My name is XXXX XXXX, I am very old and I am a XXXX XXXX  us citizen. 
I have accounts with synchrony bank for many years. Being XXXX XXXX, synchrony bank, for years, does NOT compute interest correctly for my accounts. My account number : XXXX, the total amount in this account MUST be {$1100.00}, synchrony bank, intentionally and illegally, is showing only {$1100.00} ; synchrony bank is giving me {$1.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be {$4600.00}, synchrony bank, intentionally and illegally, is showing only {$4600.00} ; synchrony bank is giving me {$0.00} less interest on this account. 
My account number : XXXX, the total amount in this account MUST be XXXX, synchrony bank, intentionally and illegally, is showing only {$2300.00}, synchrony bank is giving me {$0.00} less interest on this account. 
The time has come for this XXXX XXXX  US government agency to fine very heavily, the same way this agency heavily fined over XXXX dollars XXXX XXXX XXXX XXXX synchrony bank for giving less interest for every account, synchrony bank has millions of accounts. Do your job for XXXX US citizens also.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed and submitted a complaint to CFPB on XXXX for a collection account with inaccurate data on my credit report which was then deleted from my reports by both XXXX and XXXX. However the account was then readded back to my XXXX report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my XXXX report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my Experian report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.

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 2024-01-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Ss XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX To whom it may concern, My information was sold and bought illegally Because I was a victim of the Equifax data breach I want These items deleted from my credit reports effectively immediately I am attaching proof that Equifax had admitted that I was in fact a victim of this breach and equifax has done nothing please help me delete these illegal accounts from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My XXXX got a call on XX/XX/XXXX from a lady named XXXX at XXXX XXXX XXXX from XXXX asking for myself to return a call to XXXX at XXXX XXXX XXXX referring to case # XXXX so I did and was told by XXXX, who portrayed himself as a mediator for a debt collector stating the debt was XXXX plus XXXX court cost if I was served papers and he said I would be served that day and they were on the way. He had all my personal information ( full social security number, name and address and old credit card account number ) I was aware that I had that old account many years ago and his scare tactics made me think maybe I did owe something so not wanting to be served I offered an amount of XXXX, was put on a short hold, he returned and said XXXX would resolve it and stop the process server that was supposedly in route, which was not true at all, just a rushed scare tactic to get my attention. Finished call and started researching that old account and realized pretty quick that the old account was actually owned by another debt collector and the amount was only XXXX and the debt was so old and not on my credit report that I didn't know it was even out there anymore. Tried to call XXXX back to cancel payment and never got an answer or return call after leaving messages. Kept researching and found out that XXXX XXXX XXXX did not exist at physical address on the receipt, made a police report, they investigated company and had the same findings, that the company did not exist. Opened dispute with Chase credit card company for the charge on my card that day, never heard back from them about needing more information just said they would investigate, they sent me a letter on XX/XX/XXXX that said they found the charge valid. I called to ask why and sent them proof on the old account that was never paid and police report, reopened dispute and once again I don't believe it was investigated thoroughly. So after numerous calls to Chase explaining the situation many times they sent another letter on XX/XX/XXXX stating the charge was valid. I don't know what to do at this time, I don't want to pay for services not received because the money I paid NEVER went to the old debt, complete fraud and I do not support that, especially after I provided evidence that shows this was fraudulent. Please help protect my consumer rights and contact Chase over this matter as they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I was overcharged for interest and penalties. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear equifax & XXXX XXXX XXXX XXXX To Whom It May Concern : This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over XXXX  days. XXXX  for proof Documents of me signing or payment history Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or XXXX  days only XXXX. XXXX XXXX  has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled ALSO COULDNT PROVIDE ME ANY BANK DOCUMENTS. This is wild but everything in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I noticed a fraudulent balance transfer on my Wells Fargo credit card. I called to report it, they said they would investigate and refunded the balance. At this time they also closed the original account and opened a new account. Now, the original balance transfer has been put back on the new account, plus it has been duplicated. I did not authorize this. Wells Fargo is not helping.

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 2024-01-20 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: CITIBANK, N.A.
State: ND

Complaint narrative:
I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.

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 2024-01-20 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: U.S. BANCORP
State: ND

Complaint narrative:
I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.

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 2024-01-20 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : XXXX EQUIFAX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX-Collection Account-No Signed Contract with this company to validate. 
XXXX XXXX-Collection Account-No Signed Contract with this company to validate. 
XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
At the end of XXXX I lost my bank debit card, upon waiting for the new card to come in the mail I used my capital one card by making payments every day the new card did not come in the mail. Also at this time my bank account was hacked and emptied without knowledge until it was to late and unfortunately the payments bounced. My account was closed. I called to explain the situation and asked f I could send proof from the bank that the account was compromised at the time to reopen the account. I was told they could submit a request to open the account once I paid {$1100.00} on the account and it had cleared for XXXX days. I did this and upon calling back was told in order to be considered I needed to pay of the interest for the month on the card and then a request would be open to reopen the card and I could send my proof for review. Which I did, I paid another {$200.00} on the account. I then called and was told they would not be able to put in the request and there was nothing they could do, I feel like they lied to me to get me to keep following the instructions when they had no intention of helping me. They have not even taken the time to let me submit my document from the bank saying my account was hacked! This was an unintentional event that I was promised help with over and over and then told sorry not sorry. This is not only dishonest but disheartening as I believe capital one practices unenthical business such as lying to get people do do what they want and then not bothering to help them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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