vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX BANK XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 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 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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ar y consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX ( Original Creditor : 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 2023-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I had a XXXX XXXX XXXX with Bank of America for XXXX. A fixed rate. A year later I had storm damage and I asked them if I could increase the loan to XXXX. They said that they would have to create a new loan. The XXXX XXXX is XXXX. All of this over the phone. I did email them verification of income once again and I am sure they did a credit check. I did not receive any paperwork from them prior to the closing. I knew that interest rates had changed for this second loan but the only thing I was doing was increasing the loan. I met someone at a restaurant and signed the papers. She was not an attorney I believe as was done the first time. The loan would be around {$560.00} a month and it was a year later that I discovered that Bank of America had changed the loan from a fixed rate to a variable rate without my knowledge. Now my payment is almost {$1000.00} a month. Only an XXXX does a variable rate. I would never do it. I did not have knowledge of this until the monthly payment increased. What a scam.

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 2023-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NJ

Complaint narrative:
I had a bill from XXXX Bank XXXX for {$410.00}. I paid this on XX/XX/2023 directly to XXXX Bank XXXX XXXX. I am getting text and phone calls from Frost-Arnett to collect the debt. I told them it was paid. I called XXXX Bank XXXX twice to confirm and they tell me they notified Frost-Arnett XXXX I have spoken with Frost-Arnett 3 times and they are demanding I show them proof I paid. I asked them to call the client and they say they can't. I ask them what they are going to do with a credit card statement I provide them and they tell me they will provide it to the client. I explain they do not need to as it is paid, just call. They just continue to harass with texts and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 I paid/spent {$1100.00} worth of Chase Ultimate Reward points to book two ( 2 ) hotel reservations, with guaranteed FREE CANCELLATION. When I attempted to cancel for full refund on XX/XX/2023, the vendor ( XXXX ) refused saying the reservation was " non refundable ''. This is Consumer Fraud as the vendor unilaterally changed the transaction terms AFTER booking. XXXX was predicated on Terms and Conditions that allowed FREE CANCELLATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi- I reported that I was the victim of wire fraud to both my bank Chase as well as the bank that received the funds, XXXX XXXX. The wire was for a purchase of {$13000.00} and occurred on XXXX reported this morning on XXXX. 

I started to get suspicious when the seller told me they dropped my package and provided a XXXX number. I of course checked but it was just a label and had not yet been scanned. After 24-hours I started to get suspicious so I contacted XXXX. They confirmed that they did not physically have it and that I should check with the seller to see when they would be dropping it off. From this point, the pieces all made sense. I started looking through everything. The name on the bank account didn't match the home address. The XXXX label was printed half way across the state from a different location. An email address that XXXX only could find linked to the sellers posts. 

Now feeling helpless, I contacted Chase on XXXX hoping they would put their expertise on full display. They seem to showcase their " fraud protection '' as something a customer should feel peace of mind about. On the contrary I was told that this was my fault and my liability since I initiated the wire however they would put in a request and contact XXXX XXXX to see if anything could be recovered. They said this is a long process and no guarantees. 

I contacted XXXX XXXX on XXXX and they did not have a way that I could report wire fraud on an account I had sent money to. I asked if there was anyone I could talk to regarding how they handle wires on fraudulent accounts- they said that the wire transfer team does not take calls. 

I am frustrated that these huge banks haven't figured out how to work together to protect customers. They make it so easy to send money but when the criminals use the system against us the road to recovery is a long-winded process. Banks should stop being a safe haven for criminals and work to help customers trust that they'll be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A third party shared my personal information with Experian regarding a civil matter without my express authorization. Therefore, Experian and this unknown party are involved in Identity theft. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions Please have Experian remove the bankruptcy.

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX regarding a credit inquiry. Upon review of my credit report I noticed there was someone else 's name, address, and employment information on my credit report. I contacted XXXX to correct this information on XX/XX/XXXX. Then I froze my XXXX, XXXX, and XXXX reports for one year. Then, on XX/XX/XXXX I received a letter in the mail from a debt collector in reference to an apartment in XXXX. I wrote them a letter in response with proof of my mortgage for the house I currently and have lived in for 12 years now. I also explained in my letter that I have never lived anywhere other than the county I currently reside in. I also requested they send me the original information regarding the debt so that I can file a police report. I mailed all of this on XX/XX/XXXX. Then on XX/XX/XXXX I received an alert from XXXX that a collection was placed on my credit. I pulled my credit report and found multiple collections on my report at the same time. They are for apartments and XXXX XXXX XXXX. I called XXXX on XX/XX/XXXX and reported them all as not mine. Then today XX/XX/XXXX I received another alert from XXXX that there are collections posted on my report. I pulled my report and there are two new collections reported against me that are not mine. I have attempted to contact these agencies and they just do not believe they are not mine. They insist it is me because my birth date matches. Then they insist I owe the debt and written bad checks to their creditor, and I absolutely have not. Even the XXXX XXXX XXXX creditor, I explained I have an account with XXXX XXXX XXXX and it has never been late or unpaid. They didn't want to hear it and asked me to pay my debt. I requested that I be mailed the information but have not received anything to date. 

On my credit report ( none are mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXXt RE : XXXX {$500.00} XXXX XXXX RE : XXXX XXXX {$210.00} XXXX, XXXX RE : XXXX XXXX XXXX XXXX {$220.00} The one I sent a letter to is : Rent Recovery Solutions XXXX RE : XXXX XXXX XXXX {$570.00} I feel like there will be more ... .and my credit which has always been stellar is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; XXXX - Frozen XXXX - Frozen TransUnion - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt 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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; XXXX - Frozen Experian - Frozen XXXX - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt 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 2023-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus account was closed due to linking an external checking account they said was not allowed but they accepted the money then locked account.It was never stated what type of accounts can and can not be linked now they are holding funds and won't return claiming fraud. Account is closed but won't transfer money back to original accounts. They are now saying you have to send in an affidavit to verify identity. I am falling behind now due to this bank I read multiple reviews and every review complained about account being locked few weeks after account was opened this bank is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The problem is with JP Morgan Chase 's credit card product, Chase Sapphire Reserve, and their Card Benefits Service. 

I filed a Trip Cancellation claim ( accompanied by all required documentation supporting the covered event ) via their website XXXX XXXX XXXX on XX/XX/XXXX for an incident which occurred on XX/XX/XXXX. 

Since that time, I have followed up via telephone on XX/XX/XXXX and XX/XX/XXXX, as well as regularly checked the status of this claim online multiple times and received the same response : my case is pending. 

I submitted emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only email submission that Card Benefits Service responded to was my XX/XX/XXXX email where I advised them that I would be contacting the CFPB if my claim was not adjudicated ; their response was to assert that I needed to provide documentation that I had already provided. 

It has been over 5 MONTHS since I filed my claim. As of today, XX/XX/XXXX, their web portal continues to show my claim as PENDING ( screenshot attached ). 

Card Benefits Service operates in bad faith, giving the consumer the run around when they even bother to respond, in a clear effort to not pay the claim. The CFPB should have this company on their radar as they operate in a borderline fraudulent manner. Plenty of complaints on the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. attest to the fact that my experience is not an isolated one but rather, the way Card Benefits Service does business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06 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: IL

Complaint narrative:
Please note, this is not a duplicate complaint and I'm not using any third party for this matter. I truly believe I'm victim of identity theft and these inquiries have been placed on my report by Fraud : XXXX XXXX : XXXX. XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX : XXXX XXXX, 2022. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
I have filed FTC Report for this matter. I demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX purchased a dining table from Macy 's for {$3000.00} on XX/XX/XXXX -The purchase was placed on a Macy 's credit card and was eligible for a 0 % apr rate for 12 months -After taking delivery, I planned on paying off the purchase before the promotional period was over. After I randomly audited my Macy 's credit card portal, I learned that I am being charged a variable interest rate ranging between 28 % and 31 % apr ( this equates to approximately {$90.00} in interest ), which should have never been charged. 
XXXX reached out to Macy 's credit card customer service and was told that the individual who created the purchase order did not setup the promotional apr as part of the order. 
-The resolution provided by Macy 's credit card customer service XXXX that they will reverse XXXX and XXXX ( 2 months ' worth of interest payments ), and I would still be liable for the other 4 months ( XX/XX/XXXX - XX/XX/XXXX ) and any future interest. 
-Please use the call I placed to Macy 's credit card at XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and her supervisor, customer reps at Macy 's credit card as a reference or evidence. XXXX explicitly acknowledged this was an internal error but can only offer the 2 months interest reversal as a resolution. 
-I have no other recourse as a consumer and would like CFPB 's assistance to help protect me as a financial consumer.

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 2023-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I seen on the internet yesterday that i may be receiving a settlement from Wells Fargo due to my hardship refinance that i had. I was refinanced by Wells Fargo back around 2015. They told me back then that if I made on time payments for 5 years that my house note would go down XXXX a month. They told me that it was to pay for lawyer fees for other refinance fees. I was just wondering if this had had anything to do with the Wells Fargo settlement. I really don't know if anything is owed to me as I know my insurance has went up over the years so my escrow account could have taken some of this amount.

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