vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX - purchased XXXX XXXX tickets through XXXX with BoA credit card. 
XX/XX/XXXX- XXXX announced it will refund GA ticket to those who purchased a VIP ticket to upgrade. 
XX/XX/XXXX - emailed XXXX XXXX XXXX XXXX  refund with proof of purchase of a VIP ticket. Support confirmed my refund the same day. Promising 7-10 business days for my refund to be processed. 
XX/XX/XXXX - followed up the day before the festival regarding the status of my refund. XXXX confirmed you are all set. 
XX/XX/XXXX - emailed XXXX again for updates on my refund status. No response. 
XX/XX/XXXX - support responded stating that records show you requested to keep both therefore denying my refund. Despite my due diligence of following up weeks and days before and after the festival. The GA ticket was never used/scanned. 
XX/XX/XXXX- filed a claim with BoA credit card. In between then and now, Ive called BoA support like for status updates and finally asked how I could send proof of the email exchange between XXXX and I. They directed me to fax the email receipts. 
XX/XX/XXXX- efaxed the email proof to BoA. 
XX/XX/XXXX - BoA denied my claim.

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 2024-05-12 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: LEXISNEXIS
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA
State: SC

Complaint narrative:
I opened the account on XX/XX/2012 the balance owed shows {$1700.00}. I haven't spoken to or received any letters or emails from this company. They stated I verified my identity, but I haven't spoken to anybody.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
The insurance payment for the mortgage increased and it wasnt communicated in a timely or efficient manner. They held 2 payments and returned a third payment. I didnt learn that the payment was short until my other bank informed me that my credit score dropped XXXX XXXX due to a late payment. I supposed have a platinum account and they robo-called me instead of directly contacting me or leaving a message to return the call for an important message regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX  I requested AFFIRM an also XXXX that this Collection account is in Major Violation of FCRA Law an to be removed. This account is Reporting as Closed With a Past Due! 15 u.s. code 1666a-b accounts that are charged off and closed accounts can not be reporting past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I got email that my order was ready for pick up. So I Immediately called target customer service to cancel the transaction. they went ahead and canceled the transaction. Then, after that, the transaction was allowed and processed. then on XX/XX/XXXX, I checked my statement and the order went through was returned and was given as a gift card. which store policies are that if a transaction is made with the store credit card it should the amount should be put back on the store credit card instead of putting it on a gift card. When I called customer service again and and complain, they said that they were going to investigate it. then, a week later, I received a letter in the mail stating that my claim was denied. After I received that letter, I sent them about five times via fax the appeal letter. they stated that they never received any of my letters when I have proof that it was sent and received with the fax receipt. so the agent that is in charge of my case, every time she calls me, she says that she can not hear me and when I call target, I speak to every agent and he gets escalated again talk to supervisors and when she calls me again, she cant hear me. they never sent me the questionnaire that I needed to fill out in order to file the correct claim. I received it months after this whole situation. I feel discriminated because I am XXXX. Ive been trying to resolve this issue. I am a long-term target customer and my credit is being damaged because of this issue I kept telling them over and over I am not gon na pay for something that I did not purchase. And now is XX/XX/XXXX and they havent resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX has taken over 60 days on a dispute over XXXX XXXX that were dismissed in court during XXXX lawsuits in XXXX They have refused to remove the XXXX XXXX XXXX XXXX attempted to purchase multiple times despite there being a ruling that the loans were predatory and fraudulent. My former XXXX XXXX XXXX XXXXsnt sending them information because they are collecting loans that were dismissed by a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has taken over 60 days on a dispute over XXXX XXXX that were dismissed in court during XXXX XXXX XXXX XXXX  They have refused to remove the XXXX XXXX XXXX XXXX attempted to purchase multiple times despite there being a ruling that the loans were predatory and fraudulent. My former XXXX XXXX XXXX  isnt sending them information because they are collecting loans that were dismissed by a lawsuit.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ) I was given a years free credit monitoring service by Experian from XXXX XXXX XXXX because the lost my personal information to hackers. 

But because I already have a paid monitoring service with Experian, they won't change my PAID and MUCH LESS SERVICE than the FREE MORE SERVICE PLAN paid by XXXX XXXX XXXX. 

I've been given a run around that I can 100 % PROVE WITH CLEAR EVIDENCE, sent to more that XXXX different phone numbers with collectively hours on hold with ZERO RESOLUTION/HELP. 

XXXX ) I contacted Experian threw XXXX. Was given the same run around till I tag them in a post. Then they responded with a link sending me to a site giving them 100 % full control of my XXXX account. XXXX!! 
I HAVE 100 % UNDENIABLE PROOF OF THIS TOO!! 

The thing that gets be, the audacity the blatant audacity of disingenuous, the uncaring laughable attitude they present. 
If the CEO was with me in every step of every conversation I had I just am in awe of how many people would have lost their jobs!! 
I went threw the same XXXX and disrespect or care when dealing with their broken XXXX  b.s. 
Simply a train run off it's tracks. 
Please please please help help these crooks straighten out.

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 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Buying an item at Best Buy When checking out I was asked if I wanted to sign up for their credit card and get 15 percent off. I confirmed by asking 15 percent off this item i am buying now. I was told yes, it will be deducted after the return window of two weeks. Instead I was issued a gift certificate with an expiration date enticing me to buy more items from their store. When I contacted the bank and company about this ( I spoke to both ) they were unsympathetic or supportive about being deceived. I disputed the charges and am trying to issue a legal complaint with government protection for fraud. 
I am under the impression that sales reps are incentivized to get customers to finance their sales and this salesperson lied to me in order to motivate me to sign up for financing.

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 2024-05-12 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information 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 2024-05-12 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was trying to buy a house and realized I had damages to my credit report. According to the 15 U.S.C 1681 law, there should NOT be any damages to my credit report. it is a defamation to my character.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding WSTLAKESVC, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to WSTLAKESVC.

Upon information and belief, WSTLAKESVC received notification of my credit bureau dispute. WSTLAKESVC did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the WSTLAKESVC Account.

Upon information and belief, WSTLAKESVC failed to instruct the credit bureaus to remove the false information regarding the WSTLAKESVC Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the WSTLAKESVC Account.

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did WSTLAKESVC and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by WSTLAKESVC rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the WSTLAKESVC Accounts to third parties.

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I have paid off, settled down and resolved one account at First national bank at omaha on XX/XX/year>. But they have not yet updated the information from my credit report even after I requested them and the debt collector ( XXXX XXXX XXXX ) to correct it.

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 2024-05-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of identity theft Where they open multiple accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX Dealership tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: WI

Complaint narrative:
On XX/XX/year>, I went to the ATM in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the atm had glitched, and i didnt get any money back in return. I had wanted to pulled out {$100.00}. I had talked with someone at said store, and they said they dont own the atm to call XXXX XXXX, I had called them they said i need to call my bank, which is Dave XXXX XXXX XXXX XXXX XXXX XXXX to do a EST Dispute. they did their investigation, and found it to be wrong. Which means, they are saying i did in fact get the money from the atm. they did get me a credit for the XXXX but after they made the choice that i did get the XXXX from the atm, they took the XXXX back and now are charging me XXXX again. I have been in contact with the atm company and my bank, the bank says if i want to reopen the case to email this email, i do and i dont get any respond. the atm company says too keeping calling and fighting it cause its a law to do an EST Dispute. i am at a loss as what to do now. i am owed XXXX there has to cameras all over to see i didnt get any money from the atm. there are XXXX atms at the location, and i used the one that says XXXX XXXX. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-05-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief