vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: DISCOVER BANK
State: OH

Complaint narrative:
On XXXX XXXX my account was closed with no notice of action, no email, no letter no call or text. Payments were made on my account but were not reported. They did not verify the account closure and there was no written form of communication, contract, or signature for this accused account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
We use billpayer on our joint checking account with Santander Bank. Usually, our credit card payments to XXXX XXXX XXXX XXXX XXXX are sent electronically. For the month of XXXX, 2023, ( and we have recently learned this also happened in XXXX ) the check was sent via paper. The check was dated XX/XX/XXXX and Santander Bank cashed and withdrew the funds from our account on XX/XX/XXXX. The check was for over {$2000.00} and could have caused an overdraft. Since that date, we have had numerous conversations with the bank branch, the bill pay back office, the bill pay technical support, the payee, and a third party support for Santander bill pay. In our visit to the branch, located at XXXX XXXX in XXXX, NJ, we spoke with the manager, XXXX, who was both dismissive and disinterested. In our numerous phone calls to both the payers and payees, each said the complete opposite. Santander stating the payee would not accept electronic and wanted paper, and the payee stating they always accept electronic. Finally, yesterday we contacted the third party support area. They set up a conference call with Santander Bank which lasted 1 1/4 hours. We ended up in a conversation with XXXX, the supervisor of the technical unit. She admitted Santander decided to send paper but could not explain why. We can not afford to have checks cashed before the intended date. We note that the bill system wording now says a check can be cashed either before, on, or after the intended date. We need a better answer!

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 2023-03-15 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is regarding the dispute for XXXX XXXX from XX/XX/31 in the amount of {$790.00}. I have provided enough supporting documentation to prove my case here. This business fraudulently charged my card for service which was not provided as advertised. They do not follow NJ law with respect to the service they are allegedly providing. I have done all I can to have this charge reversed and this is my final attempt. If there is no resolution after this, I will be winding down my spend on this card and across my other AMEX cards to almost nothing and will refrain from doing business with XXXX and Amex in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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:
I have attached 2 FTC reports with inquiries I did not authorize, please delete these inquiries

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 2023-03-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account XXXX XXXX XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have a credit card with Ollo. My husband is on leave without pay, and I am unable to make a payment at this time. Ollo calls me 3-4 times a day about my balance due. They also send text messages almost every day. I don't think they are allowed to contact me this much.

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 2023-03-15 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: MD

Complaint narrative:
My XXXX student loans in the amount of {$170000.00} were paid off in XX/XX/2022 as I am a XXXXXXXX XXXX XXXXXXXX veteran and student loan payoff is one of the advantages to my status. 

I have contacted Transunion three times since XX/XX/2022 in order to update the balance and status of my account. XXXX has reported the new account information to Transunion, I know this because they sent the same updated account information to XXXX and XXXX. XXXX and XXXX are reporting the correct account information on their credit reports. Transunion keeps lying telling me that they have verified with XXXX that my account balance of XXXX is correct. 

Please make Transunion correct the account information on my credit report as the information is preventing me from getting a house.

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 2023-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested an external transfer from Citibank. The request was scheduled for XX/XX/XXXX. The transfer " failed '' according to Citibank despite there being no problem when I submitted the request. Then, the yardstick moved to say no external transfers until XX/XX/XXXX. I have tried multiple times. No transaction is allowed to go through. I have only been allowed to make 2 withdrawals a month since XXXX as I try to remove all of my money and close the account.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I reviewed our Chase Visa rewards, totalling some XXXX or so points, equal to XXXX  about {$240.00}. I elected to have a {$200.00} Amazon gift card digitally, with the remainder going against the balance. On XX/XX/XXXX I received a Your all set! email from Chase Visa, referencing XXXX # XXXX and a digital gift card for {$200.00}. Most gift cards are sent instantly, it said, but In some instances it may take up to 48 hours. The remaining {$43.00} went against the balance. 
On XX/XX/XXXX, having seen no gift card, I contacted Chase and was told, It can take from 5 to 7 business days, sometimes there are problems with the digital cards. There was nothing in my spam or junk email folders, and I continued to receive other emails and alerts from Chase Visa. I was told they would escalate the matter and to allow another 10 days due to that escalation. 
On XX/XX/XXXX, I called and again, this time being told, A new eCard was issued on XX/XX/XXXX, wait 2-3 business days. 
On XX/XX/XXXX, I called, getting XXXX in Customer Service. She said she would re-escalate the situation, with a request to have an actual card mailed out ; she too repeated that there were often issues with the e-cards. XXXX told me to wait until XX/XX/XXXX, the new escalation period. 
On XX/XX/XXXX, I called XXXX who said the eCard had been reissued, and requested I wait 2 to 3 more days, whereupon I asked for a supervisor. XXXX said she would reorder the card today and I should wait 2-3 days. If any issues at that point, I will cancel and order a hard copy of the card, she said. XXXX mentioned the division between customer service and Marketing, who actually sends out the cards. We dont see them, cant call them ; only email, which I cant give you. 
On XX/XX/XXXX I called XXXX, who said this was still in the escalation phase and passed me off to XXXX, a supervisor. She read the notes and took a long time commiserating with me, claiming to have filled out a complaint form, reiterating the division between Cardmember Service and Marketing. and that a new physical card should be coming via the US Mail soon. 
On the morning of XX/XX/XXXX I called XXXX, a supervisor who read my notes and informed me that only a digital card can be reissued ; I will have one of my own supervisors call you. That afternoon, I got a letter from Cardmember Service dated XX/XX/XXXX stating, XXXX XXXX redemptions are finalwe are unable to honor your request. 

At no point after the initial XX/XX/XXXX email did I receive any digital correspondence from Chase, only physical letters in the mail ; yet, they claim the only way to send me my {$200.00} is via email, despite repeated pleas from me that there is something wrong with how/where they are sending said digital card. I hope you can help me break this chain of obfuscation and delay. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
I was cancelled by my auto insurance company, XXXX XXXX due to claims. My daughter had a wreck and they cancelled my policy and renewed her policy due to my guaranteed endorsement was on her policy. I have been fighting with XXXX XXXX because I have had them since I was XXXX because they shouldn't have cancelled me. I realized they use Lexis Nexus so I ordered my report. I received a letter in the mail with a pin code. I now know why I have been turned down from credit from XXXX a while back and others. They are reporting my bankruptcy and other debts that I'm not aware of. I tried to save my report to a file and it would not save it. I went back and tried to print it at work and it won't allow me to print it and I have to request another pin. That should not be correct. How do they get away with reporting my information to creditors and insurance companies and I'm not allowed to print out a copy of my report? I am so upset. I tried to call the XXXX number but it refers me to order another report which takes 7-10 days to get. Please assist me in getting my report as soon as possible. This has caused me to get turned down.Also, claims on the clue report that they publish are actually tows for cars that I had towed because they broke down and XXXX XXXX is counting them as claims and has caused me to be rated higher on insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: MO

Complaint narrative:
A Charge off by Definition pursuant to Publication 4681 on the IRS is ordinary income ( 1099C ), this means that this is an inaccurate account that is furnishing on my credit report. This inaccurate report should have been deleted off my credit report, the charge-off is canceled debt, the company WESTLAKE FINANCIAL SVCS filed this charge off on their taxes, but they are also reporting it on my credit as debt. If a charge off is furnishing on my credit report as debt. 
The said company that declared this charge-off was required to send the consumer a 1099C form so that the consumer could file that ordinary income. 
Failure to send this form is a violation of 15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If a charge off is reported on my credit report and its {$600.00} or more I was supposed to receive a 1099C form Cancellation of Debt ''. I ask for the removal of the charge-off from reporting on my credit report. After clearing my credit report i will ask that you no longer report this charge-off on my report Cease And Desist Pursuant to 20 U.S. Code 1234e

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 2023-03-15 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: NC

Complaint narrative:
My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her BarClays Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that BarClays Card is damaging my credit report because XXXX and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called BarClays to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their BarClays Card. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, BarClays should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We were offered a promotional 0 % transfer on our Amazon Chase card that we have held since XXXX. This is our primary credit card where we pay our balance off every month to avoid interest. We took the transfer to pay down some of a recent home equity line. We were given 12 months to pay off the transfer at the 0 %. we did XXXX and had a transaction fee of {$370.00}. 

However, when we started to pay our card the first month of the loan i noticed the payments were only being allocated to the balance transfer and not to our purchases that month. i called Chase to see how I could pay the new purchases first and then allocate the overage to the transfer portion since it is reflected in a different area on our statement. 

I was informed that I have to pay off the entire transfer and then the new purchases to avoid any interest on my new purchases. I was told that was in the very long disclosure. The spending behavior I have demonstrated for 13 years clearly shows that we do not intend to pay interest at 17.74 % on purchases. I am very upset by the way this is handled and the advertisement indicating a 0 % with a transfer fee. I was OK with the transfer fee and completely understand it, however I do not think I should be penalized twice for this transaction that was advertised as 0 % for 12 months. 

We took this transfer on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
This has been reporting in my credit for almost three years now I have been filing disputes with XXXX XXXX and XXXX with no success. I filed a dispute directly with the company in XXXX of 2022 showing them where I have lived in ga for over 5 years before during and after the date in question of when the account was opened. I reside in ga this account was opened in Virginia somewhere. They still would not take the account down and I have exhausted every option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Sent money out through my Chase checking account to a XXXX XXXX account for an invoice of {$1900.00} on XX/XX/2023 XXXX  XXXX Account unexpectantly canceled the money transfer, and the money has not yet been received to the original checking account for over 7 business days, well after I was told directly by Chase that it would take no longer than 2 business days.

Chase has yet to do anything to resolve this issue and have hung up on me multiple times after speaking with their fraud department and wire research center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief