vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: GA

Complaint narrative:
On XX/XX/2022, I, XXXX : XXXX, XXXX American Express in regards to a billing error on my XXXX XXXX XXXX statement in the amount of {$2900.00}. This billing error shows American Expresss failure to reflect properly on my statement pursuant to 15 U.S.C. 1666 ( b ) ( 4 ). If there is a balance owed, it should be in the negative but it is clearly showing a positive amount. This positive amount is considered to be a credit balance in excess of {$1.00} created for American Express to hold for my benefit pursuant to 15 U.S.C. 1666d. I am requesting that the treatment of this credit balance be credited back to my account and refund any part of the amount ( by check in the mail ) of the remaining credit balance to me each month. I am also requesting that American Express send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to XXXX XXXX. American Express must refrain from any adverse action which includes restricting or closing my account pursuant to 15 U.S.C. 1666 ( d ). Any adverse reporting to any third-party agency in regards to the amount in dispute must be avoided for ( 60 ) days pursuant to 15 U.S.C. 1666a ( a ). Please find enclosed copies to support my claim. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: SC

Complaint narrative:
First all I will admit Ive struggled with paying on time. Now that I have a financial coach I am working towards paying on time. On XXXX i logged into my account with Flagship Credit Acceptance to see the exact amount of late fees I owed ( {$57.00} ) therefore owing a total amount of {$320.00}. I then called customer service at XXXX ( XXXX ) XXXX the rep I spoke with I told him I wished to pay my entire balance. I then gave him permission to use the bank info on file. On XXXX I logged back into my account only to find out my regular monthly payment posted and not the late fees payments. I reached back out to two different customer reps only to be told theyre holding the funds I paid to clear up late fee until i make my next payment on timewhich is on the XXXX of XXXX. I told them there is no way they can hold my money and I will be filing a complaint. This can of practice is very shading ; with that balance still on my account they are collecting some interest from it. Im sure this is being done to many others.

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 2022-09-06 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX  when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue XXXX appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help 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 explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I opened a XXXX card offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXX card in XX/XX/XXXX and it took effect on my XXXX card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over 6months of contacting both companies. Please step in to get this corrected. 

In addition when American express was presented with the transmittal form from XXXX showing the payment made to them they have done nothing to get my money paid bac to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
Axos Bank failed to secure my account and allowed access from an unauthorized third party. 

On XX/XX/XXXX, there was a login with username to the Axos Account on XXXX XXXX using browser XXXX  at IP address XXXX XXXX. This was allowed without the XXXX  or proper authorization. The unauthorized login was able to access my account XXXX during the week of XX/XX/XXXX. An unauthorized user linked a XXXX XXXX account ending in XXXX on XX/XX/2022 at XXXX EDT, and was able to make two separate external transfers, and two internal transfers, totaling {$12000.00} in losses. 

I did not access my Axos account on the days above, nor did I allow anyone to access my account. I have 2-factor authentication on my login, which requires a one-time password sent via text to my cell phone. I did not receive any text from Axos on those days. Additionally, I have my account set to email me for any transfers and was not notified of any activity on these days. 

On XX/XX/2022, I accessed my account using my XXXX  app with the IP address XXXX, followed by login using XXXX XXXX XXXX XXXX  on XXXX XXXX and reset my password. 
I have reported this case as criminal theft and identity theft. Please see the attached police reports, XXXX filing and letter of dispute. I would like to resolve this issue amicably, please reach out to me at the phone number or email on file for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2022 I contacted Chase at XXXX and spoke first with XXXX and then a XXXX XXXX both from the XXXX XXXX site regarding a dispute from a hotel stay from XX/XX/2022. After a lengthy discussion XXXX told me that she would initiate the dispute and that the charges in question would be credited back to my account while the dispute was being researched, and also that I would receive a request for additional details about the dispute through either mail or the Chase.com site. The charge was not credited back to my account nor did I ever receive the follow up information. 
During the call I also expressed a complaint about the reluctance of Chase to file the dispute on my behalf and was told that someone from the executive office would call me to better understand and resolve the complaint. This follow up also never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.

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 2022-09-06 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: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ FINANCE SYSTEM OF RICH ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXX # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting 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 2022-09-06 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card account ( ending with XXXX ) closed by Citi without my permission. I called Citi customer service and was told that they are going to reopen the card for me, after asking my SSN, annual incoming, etc. I asked them if my credit report will be pulled or not and was told that it wont as its just reopening the original card not applying a new card. But today I found my credit report got a hard inquiry from Citi and its going to stay for two years on my report. Im very disappointed by how Citi treat customer, not only close my account without my permission but also give out false information and damage 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 explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Several years ago without notice or warning Transferwise now operating as Wise, decided to close my account. They did not provide written explanation or reasons for as to why they had done so. I appealed the account closure through their customer service only to receive a response that they had decided to stand by their decision to close my account. 

I did not use the account in any way which would have violated their terms and conditions, nor did I engage in any suspicious or unlawful activity using the account. 

My only guess is that I may have inadvertently attempted to open another account at a later date, having forgotten my original account details or that I had an account with them and that perhaps this was viewed as fraudulent or suspicious. This is merely a guess. 

I would simply like Wise ( Transferwise ) to reinstate my original account or help me to recover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was sent a judgment against me at the beginning of XXXX from XXXX about a XXXX card that was opened in my name in XXXX. At the time of this store card being opened I was in high school. I have ran my credit report numerous times since XXXX and this charge has never came up or any paperwork or bills were sent to my home. Midland Funding LLC is currently garnishing my wages for an fraudulent account. The name on the account doesnt even match my name, and the billing address Ive never lived there. I have also submitted a police report for identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Accordance with the credit Reporting act Transworld Systems has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 States It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Services reported a delinquent account for {$94.00} on XX/XX/2016, XXXX, and XX/XX/XXXX. This same debt seems to be also have been reported by XXXX XXXX XXXX at lest once. I reached out to both companies and they both claim that this debt is from XXXX XXXX XXXX. When I request any documentation from either company showing proof of this debt I am told that it can not be provided.

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 2022-09-06 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: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital says active in XXXX and opened XXXX and reported in XXXX as current.I need this off and removed from my report.Its been 7 years.I am not associated with anything with this company.Im not sure if its been sold without my consent. XXXX XXXX are not a company that I have been with.Open date says XXXX from an original dateXXXX & XXXX has been sold without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
According to XXXX XXXX, this debt collection is fraudulent by selling debt that was not signed with the wet ink blue signature of the consumer. According to all the consumer laws this is fraudulent and soliciting false fraudulent debt practices that was bought cheaply to acquire debt.

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T Bank recently acquired People 's United Bank. The transition has been a disaster and has left me unable to access my personal and business bank accounts. We had plenty of warning that we would not have access to our online banking until this morning. However as of this morning their online banking website is " temporarily unavailable ''. I tried calling multiple times and the wait times are so long I decided to drive down to the nearest branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). There was a gentleman in line there who said the ATM ate his card and he was unable to access any of his accounts. I talked to the manager and she said they were having problems as well. She could access my information to confirm my money is safe, however I could not do anything with it since the branch had not received any bank checks and whoever was supposed to swap out their equipment over the weekend didn't finish the job. Unfortunately that leaves the workers at the branch ( manager and tellers ) unable to assist with many basic banking functions or to answer any questions. 
As it stands I and many others are now locked out of our accounts and especially for business owners like myself this is very devastating. Please investigate M & T because this should not be allowed to happen when livelihoods are at stake.

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 2022-09-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation