vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX XXXXXXXX

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on Transunion and XXXX. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Two new derogatory student loan accounts just appeared on my credit report. These accounts are reporting on XXXX and Equifax. The account balances are XXXX and XXXX. These accounts were supposedly opened on XXXX of XXXX. All my student loans are paid and closed. I have not opened a student loan account since XXXX. These accounts are not mine and should be removed from my credit. They have grossly increase my debt reporting on my credit report. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
Re : Violation of the Fair Credit Reporting Act ( XXXX ) Your company denied my claims of fraud for a negative account and verified the account is reporting accurately. My claims were not reported in error, and you are violating my rights has a federally protected consumer. 

It is against the law to report any information that is not PROVEN as accurate. You are required to provide evidence of your allegations to deny my request associated with the account below : PLEASE REMOVE THE FOLLOWING ACCOUNTS REPORTING THAT SHOULD BE EXCLUDED THATCONTAINS TRANSACTIONS EXPERIENCES PER VIOLATION 15 U.S.C. 1681 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal financial information was obtained without my permission which qualifies as identity theft. Thus, a violation pursuant to 15 USC 1681c-2. Block of information resulting from identity theft. 

Enclosed : 1. FTC Report 2. Copy of Driver License

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 2022-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I requested a refund for payments made during the pandemic freeze, and it has been over XXXX weeks and there is still no information about my request or any movement within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a BJ 's Perks World XXXX through Commenity Bank. In XX/XX/2022, Commenity Bank performed what they referred to as a system upgrade. The card offers reward dollars for purchases and then it is supposed to appear on my BJ 's club account to be used in store. While the upgrade occurred, rewards are not appearing on my BJ 's in store club account. There is a message on Commenity bank rewards page that says the following : Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. I have been calling Commenity Bank as well at BJ 's member services since XX/XX/2022. I have recently been calling every four days since the beginning of XX/XX/2022. I have owed over {$230.00} in rewards and keep being assured it will be credited to my account in three business days. This has been going on for more than six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

I then requested a credit report through XXXX to review my credit history. I noticed that the new account in question was for an Home Depot credit card that was open on XX/XX/XXXX with a balance of {$2900.00}. 

I contacted XXXX and requested a dispute. I contacted Home Depot to close this account and conduct a fraud investigation on XX/XX/XXXX. I also alerted the XXXX XXXX team to notify them that this was indeed fraud and request a security alert be added to my account so that I would be notified if any new attempts to open account happened.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My card was paid in full however the company refuses to update the credit bureau reflecting as such. They have reported balance increases but are not reporting decreases. I reached out requesting they show that I've paid and they said they have stopped reporting to the bureau. I paid my card off because I am trying to improve my credit but the refuse to update the report. There was never any information sent out detailing they would cease reporting. I believe it is unfair that creditors can report new debt immediately but then refuse to report payment history and updated/balance decreases. This is unfair to the consumer. In addition as a generalized statement creditors as a whole should be able to update account decreases immediately just like they can report increases..it should take months to reflect a paid in full balance. This is an unfair practice to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
You continue to show XXXX XXXX on my account and it shows a balance of {$120.00} when in fact it has been paid in full for months. 

XXXX XXXX XXXX Opened XX/XX/2015

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 2022-12-09 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: Self Financial Inc.
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer report furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMCB is acting in dishonor by disrupting my ability to operate in commerce. JPMCB accepted my offer of open credit to use personally and for household goods and services in XXXX. JPMCB has blocked me from using my open end credit card to adequately take care of myself and my family by imposing an available credit limit of {$500.00} and providing balance and payment inaccuracies to consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I Have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Under Sec. 602 I Have A Right To Privacy XXXX XXXXXXXX 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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time

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 2022-12-09 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: OH

Complaint narrative:
XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
I received an email From : Marcus by Goldman Sachs XXXX XXXX Same day transfers are now possible Customer since : XX/XX/XXXX Hi XXXX, Weve made an improvement at Marcus that could make moving your money easier : When you schedule a transfer of {$100000.00} or less by XXXX XXXX ET on a business day, Marcus will complete the transfer by XXXX XXXX ET that day. 
Theres no extra step, no extra box to check. You schedule the transfer at marcus.com or on the Marcus app, and we do the rest. 

This is also at XXXX XXXX XXXX Transfer funds between your Marcus savings accounts and a linked external bank account. Marcus will complete transfers of {$100000.00} or less made through Marcus by XXXX XXXX ET on a business day, by XXXX XXXX  ET that day. 

I confirmed in XX/XX/XXXX thru phone call with a Marcus rep that the {$100000.00} limit was per transfer, not per day. 
On XXXX, before XXXX EST ( 2hours before the cutoff time ), I authorized at marcus.com 3 ACH transfers of less than {$50000.00} each out of my marcus savings. 
My external bank XXXX ( apy 4.00 % ) did NOT receive the funds until Friday XXXX. I had called and alerted XXXX  to watch for these funds, but they DID NOT ARRIVE UNTIL Friday XXXX, 2days later. 
I earned 0 % interest for those days. I believe an issue was the delay caused by a call I received from a Marcus rep at ~ XXXX XXXX est wed XXXX, to discuss if I really wanted to move my funds out of Marcus and why I was doing this. I explained to the rep to please get these transfers submitted ASAP as it was then minutes until the cutoff time. He insisted on continuing the conversation. 

I called Marcus.com several times on XXXX and in the following week, waited thru very long hold times, and explained the situation in every call and with every rep and manager/supervisor. I requested a credit into My Marcus savings ending in XXXX of the 4 % interest on the total amount transferred for {$34.00} Marcus supervisor XXXX at XXXX XXXX stated a customer sevice credit could be given and gave case # XXXX. This request has since been denied. 
One Marcus rep said they did not need to honor the email nor the faqs. I am requesting the {$34.00} credit here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband and I saved to purchase a boat. He found a XXXX XXXX XXXX XXXX XXXX  For {$78000.00}. He inquired online and XXXX XXXX ( XXXX ) emailed him more pictures and info about the boat. We decided to purchase the boat and have it delivered. XXXX said that he was using a 3rd party broker to sell the boat and handle the escrow $ until we received the boat. The escrow company is called XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The money was sent from our XXXX XXXX as a wire transfer to Wells Fargo bank account as listed above. We were suppose to get an email confirmation on XX/XX/XXXX for the delivery time of the boat. Which never came. We then went back to the websites where the information was on the boat and they were all disabled. This is when we realized that it was fraud and they stole our {$78000.00}. No boat was ever received and XXXX XXXX XXXX was not a company and XXXX XXXX is not a person we believe. I contacted Well Fargo and they told me the money was still in the Well Fargo account. I ask them to freeze the account so we could get our money back. They stated they couldn't do that. Well Fargo is being used as a money laundering bank for these criminals. 

A complaint was filed through XXXX XXXX police in Minnesota. 

A complaint was filed in XXXX XXXX, Florida, police A complaint was also filed and office went to the Wells Fargo Branch We filed a complaint with the FBI through the XXXX website. Have not heard back yet. 

We filed a complaint with the FTC.

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Was charged {$59.00} on XX/XX/29 from XXXX XXXX, however payment was not authorized or coming from me directly. Ex spouse had a copy of my bank information saved on a device of hers and she made a payment under my name fraudulently without my permission. Called Wells Fargo the very same day to dispute the charge. They canceled my card and left me without access to my account or unable to pay online bills for almost a week before receiving a new debit card, but they completely denied the fraudulent charge and said it stands as it is and that I authorized it, which I did not because if I had I wouldn't have called them to dispute it in the first place.

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased a bracelet for {$600.00} while on vacation in XXXX on or about XXXX XXXX XXXX. I had bracelet approximately XXXX weeks before the clasp stopped fastening. I contacted XXXX XXXX ( well within their XXXX-working day return/refund policy ) on XXXX XXXX by email requesting return address so I could return bracelet, I got no response. In good faith, I contacted the merchant again by email on XXXX XXXX asking for return address or I would be disputing transaction with my bank, CapitalOne, I still received no response. Approximately on XXXX XXXX, I filed dispute with CapitalOne and sent them the documents they requested. I sent them a copy of the emails I sent trying in good faith to resolve with merchant. I sent copy of the receipt that has a clear refund/return policy. CapitalOne Sent me a request on XXXX XXXX asking for additional information. On XXXX They requested an appraisal of the bracelet ; before the appraisal was done on XXXX XXXX, I received a denial of my claim letter. XXXX from XXXX XXXX 's office called me to provide clarification why my claim was denied, and he strongly suggested I have the appraisal done, which I did on XXXX XXXX. The jeweler verified that the clasp did not work, the bracelet was silver, and the diamonds were fake with a retail value of {$170.00}. well below the {$600.00} I paid for it. The official reason for the first denial is " There is nothing to regarding as NOT AS DESCRIBED to support the claim, neither a single attempt to solve with merchant, please inform because member still has merchandise. That is a blatant lie I sent 2 emails trying to contact merchant to get address to return bracelet they never responded to my emails. Also, I told by the salesman these were real diamonds, so it was not as described. I provided copies of these emails to CapitalOne while they were doing their investigation. Once I had the appraisal done, they reopened the claim and on XXXX XXXX the claim was denied again. The same reason as before and the appraisal was not done quick enough, even though XXXX told to go ahead and do it and could go a long way in my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: AL

Complaint narrative:
On XX/XX/2022, Discover Card contacted my stepmother on her mobile phone number regarding my debt even though she is not authorized to have access to my account. Discover Card additionally shared private information regarding my account to my stepmother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : 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