vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was given an American Express Virtual Gift Card last year and I have been unable to use this card anywhere, online or in stores. Today, XX/XX/2023, I tried calling the number on the back of the card and this number gives you 4 choices to choose from and I chose all of them and was never given the option to speak with someone. This number would give you recorded information and then hang up. I looked online and received another number, called that one and the gentleman I got on the phone, gave me another phone number that directed me to the same recording as I got when I called the number on the back of the card... This happened twice. No option to speak with anyone. I am able to go online and it shows I activated the card in XX/XX/2023 and it has a balance of {$100.00}, which is what my employer gave me as a gift. I just wanted to know how to use it, because I have tried several times with no success. After reading comments online, I decided to contact someone, because I am going through exactly what others are describing...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
This bill was paid in XXXX  {$75.00} I am NOT PAYING IT TWICE and the people have been very rude. This was taken off of my credit reports 5 months ago and now it is showing back up on my reports- this again was paid in full so please remove this from my credit reports asap!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am unable to make my loan payment on Edfinancials website. When I enter my information, it says my loan is still in the process of transfer. This has been its status for months. I have called twice a week for the last 3 months, and each time the wait exceeds 4+ hours. The automated system ensured me I will receive a call from a representative once one becomes available, but I have yet to receive a call. Their online chat system does not work, and I have no way of paying my upcoming loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2023-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Wednesday night ( XX/XX/XXXX ) at around XXXX XXXX I went to an ATM near my old residence to deposit some money, I was moving to my current address, I sold some furniture, I had some cash with me as well and to my security guard decided to deposit it so as not to travel on XXXX XXXX with this money in cash. I didn't count the amount because normally the ATM itself does this, I just followed the steps and inserted my money, then an error screen appeared asking me to enter an approximate amount that was being deposited, so I did some calculations and thought it was around of {$1600.00} and typed that, then a second screen saying to contact the bank as soon as possible if I disagreed with the amount that would be deposited ( I have a photo of both screens ), only {$300.00} was deposited ( I have the receipt saved, where on it contains a message saying that there was an error with the ATM ) so I did it, I called the number that appeared but only robots spoke to me, at that time of night there was no human representative to solve my problem, I felt nervous and anxious and I couldn't sleep right. I woke up the next day and first thing in the morning I called the bank, they told me that I would have to make a claim, so I did, and explained that I was moving and could not be without that amount of money at the moment, she said that They would evaluate the case and if possible, they would release a credit within 2 business days, 2 business days passed and the credit ( which is actually MY MONEY ) was not deposited, so I came to an agency close to my current address in XXXX, CA. and the attendant told me that there was nothing to do (?! ) and that I should wait. So I called the bank again, to talk about Claim number XXXX, and explain that I needed my money, I was treated with contempt by the attendant and I was furious, so I said I would go to the police and contact a lawyer. The lawyer informed me that before I went to court I could make a complaint on this website and here I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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:
I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX XXXX  charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX XXXX  charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation.

FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.

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 2023-09-22 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: FL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX I mailed 2 checks from XXXX XXXX ( 1 drawn on Chase Bank # XXXX and the other on XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX to the attention of XXXX XXXX, Branch Manager. The purpose was to set up a XXXX XXXX earning 4.88 % Interest. The checks were never received. On XX/XX/XXXX The {$200000.00} check drawn on Chase payable to XXXX XXXX cleared my checking account even though there were insufficient funds available. Chase applied the overdraft protection attached to that account and cleared the funds from my money market account. The XXXX check for {$300000.00} was promptly returned for insufficient funds and XXXX XXXX was notified of the fraudulent attempt. Both Checks were stolen from the mail, was NOT endorsed and Deposited into a XXXX XXXX account in XXXX, XXXX. I was told that a claim was made by Chase to recover the funds from XXXX XXXX on XX/XX/XXXX. I have made several phone inquiries but always given the same response that it could take XXXX days to recover said funds. I have asked for written proof that XXXX XXXX was in fact contacted but have not received anything other than an acknowledgement that they did? The CLAIM # is XXXX. Please note a police incident report was filed with Chase. 
Both Chase and XXXX XXXX has to guaranty prior endorsements. Chase is making me wait for my money since XX/XX/XXXX!. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: NY

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.

has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2023-09-22 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:
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.

has violated my rights. Or a list of inquiries : 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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a new account with PNC Bank online and made deposits of {$100000.00} in the subsequent XXXXwo months.

After opening the account and making my first two deposits I was informed by a friend of a deal in which PNC Bank would either pay a cash bonus of {$200.00} if a new Virtual Wallet with Performance Spend was opened and {$2000.00} in qualifying deposits was made or {$400.00} if a new Virtual Wallet with Performance Select was opened and {$5000.00} in qualifying deposits was made. In XXXX I called PNC bank and inquired of the bonus and was informed that the detail I heard from a friend were correct. I then contacted my employer and asked for my direct deposit be changed. On XX/XX/XXXX a trial deposit was made and on XX/XX/XXXX and every XXXX weeks subsequently a direct deposit of my paycheck has been made to PNC bank. I thought at XXXX XXXX I was all set and a bonus if {$400.00} would be deposited in my account. 

On XX/XX/XXXX I called PNC Bank to inquire about my bonus. The first agent I spoke to was very nice but told me that my husband had previously opened an account with PNC Bank and due to him being listed as co-owner on the account I would not be receiving the {$400.00}. I informed the agent that my husband had tried to open accounts but due to malfunction the accounts were never used. The agent was talking to a manager about this and the phone call was disconnected. My husband did open an account on XX/XX/XXXX and closed it on XX/XX/XXXX a total of {$10.00} was deposited and subsequently transfer in the account. Another account was opened and closed on XX/XX/XXXX no transactions occurred. It should be noted that my husband is not allowed access to my account when calling via phone. 

Subsequent to my disconnected call I was picked up by a different agent and was informed that the time period to make a qualifying deposit was 60 days after the account was opened, something that the agent I spoke to in XXXX failed to inform me about. The agent then checked my account and saw the first direct deposit was made on XX/XX/XXXX and I was informed that unfortunately that was over the 60 day time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Newrez/Shellpoint sent me a letter dated XX/XX/2023 saying theyve paid my homeowners and now have a new bill from another company. I have no idea what they are talking about, but I suspect theyve confused the forced-placed insurance they purchased when they allowed my XXXX homeowners policy to expire, with the XXXX homeowners policy that I had in place since I purchased this home. 

This company is so hopelessly incompetent they should not be allowed to service loans. 

I dont want their forced-place insurance. I want them to pay my XXXX insurance and correct the mess they have made of my escrow account. 

As of today, XX/XX/2023, Newrez has STILL not paid my homeowners insurance which was due in XXXX. 

Please help! I am at my wits end with Newrez.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 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: Chime Financial Inc
State: PA

Complaint narrative:
I had 2 fraudulent charges on my account with Chime Financial. I filed a dispute in XXXX and at the time I filed the dispute. The company had closed my account and both transactions were for {$2500.00}. I got credit back on my debit card and they never credit me back the other {$2500.00} at the time they closed the account tied to my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NM

Complaint narrative:
Jefferson Capital bought debt from XXXX. It was charged off in XXXX of XXXX. I owed XXXX money after they shut off my phone in the middle of the pandemic. When I started working on improving my credit, suddenly Jefferson Capital is sending me mail constantly. I owed XXXX {$240.00}. Jefferson Capital sent me an offer for their Payment Rewards Program stating that if I paid {$150.00} within 6 months, they would cancel the remain balance. I paid the {$150.00}. Jefferson Capital immediately put the {$85.00} back on my credit report as a collection. I held up my end of the deal, and Jefferson Capital failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TN

Complaint narrative:
I am a victim of identity theft. I filed the correct paperwork according to the FCRA and attached it to my disputes. The credit agencies are not processing my disputes correctly and not sending me copies of the verification process.

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 2023-09-22 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: FL

Complaint narrative:
Accounts in question : 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 Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Current and only phone number delete all others. 

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 Delete all addresses- Current and only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

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  Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

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