vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: U.S. BANCORP
State: AZ

Complaint narrative:
I have called since XX/XX/XXXX on this matter, and I have tried to get in contact with XXXX and XXXX since then and have had no luck getting with the correct person to finish my claim. I have been told multiple times that this dispute has been processed and the money was supposed to be taken off of my current balance since I had to pay for it last month. This was promised to be taken care of and the money was supposed to be credited before the XXXX. I have gotten nothing but a run around and everyone just pushes the responsibility to someone else. Every time I call in the next rep says there are no notes and no call back requests. I have called at least 15-16 times now to get this settled and I am always told that the person I need to talk to is not working or that they will call me back. I am now going to be facing penalties on my credit since this balance has not been removed yet. This is causing me so much more trouble than necessary and I am very disappointed in US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX  XXXX XXXX  XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I had opened a credit card with a company called Upgrade prior to my bankruptcy being fully discharged. When my bankruptcy was discharged, Upgrade was notified of it and they shut my card down. I had called many times letting them know that they werent parent of the bankruptcy and that they needed to open my account, they said if I provided proof the bankruptcy was discharged, I could get my account back open. For months I submitted paperwork via email and followed up with phone calls only to get the runaround. I finally had run out of patience and asked to speak with a manager, the manger said that there was no way they would be opening the account and that they have determined it was part of the bankruptcy. I confirmed that I was no longer responsible for the debt, and they refunded me 2 months of payments that were made while the account was shut down. I then noticed they were reporting to the credit bureaus that the account was past due, so I disputed the account using XXXX XXXX and XXXX. They came back saying the debt was verified so I immediately called Upgrade to find out why they were reporting the wrong information. They tried to tell me that it was now determined that the debt was not part of the bankruptcy and that I am now responsible for it. I told them they were wrong and to go back and review the phone call I had with the manager which he clearly confirmed I was not responsible for the debt and that it would be discharged as part of the bankruptcy. They said they would investigate this but given the trouble I have had with this company I wanted to take this to someone who can actually help me. My credit score is horrible right now because of what they are doing, which is reporting bad information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I paid my debt in full XX/XX/2022, I have contacted this company ( Caine and Weiner ) several times and no one picked up, or they told me to leave a voice message, I left a voice message and no phone call back, I also emailed them and no response on the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NJ

Complaint narrative:
I XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went to get gas from the XXXX station at XXXX XXXX XXXX XXXX, PA XXXX. At the station there was an individual that asked to pump my gas and would not leave me alone when I said no. I put {$20.00} worth of gas in the tank of my XXXX XXXX XXXX, the only car I own, replaced the pump and left the station. 

The evening of XX/XX/XXXX, I noticed a charge of {$170.00} on my Bank of America credit card account. Suspecting that the individual somehow used my card details to steal {$150.00} worth of gas, I called Bank of America to report the fraud. I was told that the charge was likely just a hold placed by the gas station and I could not file a claim until it posted. When it later posted, I called back and filed my claim on XX/XX/XXXX ( initial letter from BoA attached ). 

I subsequently filed an official report with the XXXX police department reporting the fraud on XX/XX/XXXX ( document attached ). 

I received no further contact from Bank of America, until I received a charge for the full {$170.00} that was fraudulently charged to my account on XX/XX/XXXX. I did not receive any explanation at all until I received a " Resolution Letter '' on XX/XX/XXXX. The only explanation for this was that the chip of my credit card was read at the gas station, which was never in dispute and was reported to the bank at the start of the dispute process ( document attached ). 

My vehicle can not even physically hold that amount of fuel, I do not own any other automobiles or other gas powered vehicles. I did not authorize any other person to utilize my card to make additional purchases past the initial {$20.00} amount. There is no history of myself ever making a gas purchase of anywhere near that amount on any account I own, including the account in question. 

Due to the failure of either the merchant or bank to prevent this fraud from occurring, I should not be responsible for the extra charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX i contacted Aargon Agency regarding a collection on my report for XXXX in the amount of XXXX. I spoke with the collector and was assured if I paid XXXX ( 50 % ) that they would DELETE the item from my credit report. I paid on the same day. I looked at my report at the end of XXXX and saw it was still reporting but the balance had updated and showed XXXX due at that point. I figured it just needed more time to delete. Its now XX/XX/XXXX and the item is showing as a closed collection chargeoff with a XXXX balance AND on Aargons ' system they are showing an OUTSTANDING balance of XXXX as if i just randomly called in and made a payment for 50 % for no reason at all and decided to just leave the rest there! 

This remaining XXXX I was told on their " monitored and recorded lines " would be deleted from my XXXX report. I have a letter to that effect that I am attaching.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, the collection made by SEQUIUM ASSET SOLUTIONS, creditor is XXXX XXXX XXXX  stated that I owed {$4200.00}. I did not use XXXX XXXX nor related with this one. 
I've already contacted XXXX. They didn't provide me any document, only said they will create a fraud ticket for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with trans union they told me they would investigate i never heard anything back so i followed up by calling them XX/XX/2015 and the fraud department told me the last rep didn't open an dispute. The company XXXX XXXX  XXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from XXXX  and Transunion and XXXX i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with XXXX XXXX they told me they would investigate i never heard anything back so i followed up by calling them XX/XX/2015 and the fraud department told me the last rep didn't open an dispute. The company XXXXXXXX XXXX XXXXXXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from XXXX  and XXXX and equifax i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with XXXX XXXX they told me they would investigate i never heard anything back so i followed up by calling them XXXX XXXX  and the fraud department told me the last rep didn't open an dispute. The company XXXX XXXX  XXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from experian and XXXX and XXXX i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NJ

Complaint narrative:
I XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/2023, I responded to Synchrony Bank 's letter for a request they made to me to supply additional information for a Lowes Advantage card. The Lowes ad states no effect on credit rating. There was no effect on my credit rating until today after I refused to comply with their request to send them a video of myself. Apparently, the representative took offense to my not wanting to do a video, and after I told her to discard the application and after I discontinued the contact, she did a HARD pull with XXXX XXXX which resulted in my credit score going down XXXX points. I have several requests, I want to file a complaint with both the federal and state against the Bank, but to whom do I fill with? Second, can I file a lawsuit in small claims court? This is both malishish and resulted in the lowering of my credit standing. I am available to provide additional information 24/7 as I am XXXX I intend to contact the Bank later today and file a complaint with them seeking a correction and compensation for the loss of my time rectifying their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I tried to have this account validate several time this years in XXXX transunion come back with its been validate, how you just taken the creditors side. Because the dates are inaccurate and they won't provide any information about the original creditors as requested. According The statute of limitations in Arkansas for filing a lawsuit to collect most debts arising from a written contract is 5 years. The statute setting the deadline is XXXX. The Arkansas law states the following : XXXX. They putting false date in order to get by credits bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Delay in Processing My Claim Claim XXXX Claim Type : Chase Trip Cancellation/Interruption Chase Card Last XXXX digits : XXXX I am writing to express my disappointment and frustration with the delay in processing my travel cancellation claim. 

I submitted a travel cancellation claim as a Chase Sapphire Reserve cardholder back in XX/XX/2023, and provided all the necessary documentation as per Chase Claim requirements. I have yet to receive any substantial communication from their end regarding the status of my claim. While I understand that processing times may vary, Its clear there was a lack of transparency and communication for this case. 

I have attempted to contact their customer service representatives on numerous occasions, only to be met with vague promises of " looking into the matter '' or " escalating the issue. '' I was hung up on several times. The examiner, XXXX, never called me back. My last round of calls ended up with no resolution. I was told by a CS representative overseas that they were awaiting documents from my doctor, which was already submitted more than 2 months ago. I was also informed that they needed a proof of the airlines credit, which we never received! An email proof was already submitted. 

I demand immediate action to rectify this situation. I expect a clear explanation for the delay in processing my claim and a firm commitment to expedite the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX dropped my credit score by XXXX for an increase of {$160.00} on 2 credit cards combined. 
Equifax dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Had chase card for many years. Then I had an enormous amount of unknown, unauthorized charges. They pretended to help me. took a few off but didn't really affect the large amount of fraud they were allowing. I asked for the card to be cut off. I paid it off and did not activate the new card. They sent me a new card. However they continued to allow charges to the old card, no matter how much I complained. So I stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I applied for a credit card from Goldman Sachs. I was denied because " I may already have an account or profile ''. 

The Marcus.com website will not allow me to reset my username/password, nor will it allow me to login to apply. 

I am being denied from applying for credit which is a federal violation of 15 USC.

Company response to consumer: Closed with non-monetary relief