vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank refused to review further or even approve my refund claim when someone hacked into my business account and made two an unauthorized transactions from my checking account through XXXX. They sended me into XXXX XXXX chase with XXXX and i was never able to speak to anyone that could help me. 
The reps at chase were : XXXX ( claims department ) and XXXX ( Supervisor with the claims department ) their number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attached file.

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 2024-01-18 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : Transunion, XXXX, and XXXX. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : XXXX, Equifax, and XXXX  Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : XXXX, XXXX, and Expiration. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

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 2024-01-18 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I submitted a dispute for a XXXX charge and my account reflected a provisional credit of {$27.00} given on XX/XX/XXXX while they investigate. The funds never reflected in my account. I was then informed that the dispute was resolved in my favor and the credit given to me would remain on my account on XX/XX/XXXX. The funds never reflected. I track and pay very close attention to my account and have urged Apple Card support on numerous occasions to take a deep look at my account and they will find that although it says the credit was given, the funds never came and my balance never changed. Apple Card keeps saying my charges and payments match, but thats the thing, they should not match, they should reflect a subtracted amount of {$27.00} with the credit!!!!!!!! I am tired of the run around and no one is actually adding the numbers up and seeing that the credit amount is missing. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I have sent a written Experian about removing soft inquiries from my credit report per 15 USC 1681b.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX has XXXX names on my file. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The account on XXXX. & equifax just got 60 90 120 days & date closed wrong & last active & last payment no good payment history its hurting my score & re opening accounts are illegal & XXXXXXXX XXXX is showing i have no late payments but i have 90 & 60 days late different bureaus & account type doesnt show for one bureau dates last active are wrong. Please delete these accounts i dont want any problems with this please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the closure of my account on XX/XX/year>, and the unauthorized conversion of my accumulated XXXX reward points into a {$2600.00} statement credit. This action was executed without my prior knowledge or consent, which I find to be highly unethical and unprofessional. 

The primary reason for my association with Capital One has been the accumulation of reward points for transferring to my airline loyalty account, with the intention of redeeming them for flight tickets valued at over {$10000.00} USD. The forced conversion of these points into statement credits, at a significantly lower value, not only undermines my financial planning but also violates my consumer rights. 

I am not concerned with the reasons behind the closure of my account. My primary focus is the restoration of my XXXX reward points. The reward program was the sole reason for my choice of Capital One over other banks or credit card options. 

Through this complaint, I urge the CFPB to facilitate a dialogue with Capital One to resolve this issue by reinstating my reward points and allowing their transfer to my airline loyalty account as per my original intention. If Capital One fails to comply, I am prepared to pursue legal action, including a small claims lawsuit, to seek compensation for the direct and potential losses incurred due to their actions. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to a swift and favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX, my wife and I opened 2 new accounts at TD bank at their XXXXXXXX XXXX branch. 
1 CD in the amount of XXXX with an interest rate of 5.5 % APR, and a high yield savings account in the amount of XXXX with an interest rate of 4 % XXXX. 

I received a statement from the bank on XXXX referencing the high yield savings account, which indicated the 4 % interest rate was paid on the first month following deposit, BUT, that rate was drastically reduced for the following 3 months. 

I called the bank on XXXX and spoke to XXXX XXXX, the bank representative who we dealt with setting up the accounts. He had no explanation for the rate change. He advised that he was changing the rate back to the 4 % and would get an answer regarding what had happened. 
I requested answers regarding what had happened and if the bank was going to make a correction and credit the account for the lost interest. 
XXXX XXXX indicated he was going to speak to his manager and I should have an answer by XXXX. 
Not receiving any reply, I called the bank on XXXX but was only able to leave a voicemail. I then went to the bank in the afternoon of XXXX to speak to XXXX XXXX. He advised that he had not received an email reply from anyone that would allow him to reply to me. 
He indicated he should have an answer by XXXX. 
Having not received even the courtesy of a reply I sent him an email advising that if I had no reply by the end of the day XXXX, I would need to file a complaint. 
Once again, I did not receive a reply either by phone or to the email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 has violated my rights. 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and XXXX is furnishing illegal late payments XXXX XXXX XX/XX/year> & XX/XX/year> from XXXX XXXX XXXX  account XXXX. 

Late payments are excluded from Consumer Files on open end Consumer 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and XXXX is furnishing illegal late payments XXXX XXXX XX/XX/23 & XX/XX/23 from XXXX XXXX XXXX  account XXXX. 

Late payments are excluded from Consumer Files on open end Consumer 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: OH

Complaint narrative:
I received a letter in the mail stating that this company had approved me for a credit card and that I should call to activate my account. The letter also detailed several fees associated with this card. 
I didn't apply for any card with this company but I was concerned that they would try to make me pay their fees by threatening to ruin my credit rating so I called the number to attempt to close whatever account they had opened under my name. Their automated system failed to connect me with anyone. It was stuck in a loop. I emailed the company requesting that they close the account but was told I would need to call their phone number again and activate my account to be able to close the account. I informed them of the problems and made several attempts to connect with someone who could resolve this. They have repeatedly failed to do anything about it.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My information was breach and used

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I took out a loan with spotloan on XX/XX/XXXX the loan was for {$800.00} and the payments were bi weekly for {$140.00} in total I was able to make 8 payments. I reached out to do a payment plan of 10 bi weekly payments of {$90.00}. In total I was able to make 4 out of 10 payments. I am struggling to make ends meet I am so XXXX XXXX fixed income and I am barely making it I have bills and utilities that I pay monthly and it is causing me to be very tigh with finances and I would like to settle the account for the payments I have made towards this loan and close the account and have the debt forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I submitted my final employer verification digitally on XX/XX/. It has been 30 days and the form has still not been processed, with no timeline in place. I have been paying my loans for 10 years while performing public service, and am in limbo with my loans because the servicer is not sufficiently staffed or efficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI

Complaint narrative:
This was everything I could find after I was sent the entered judgment after an offset of my state tax return was taken from me without notice. I never went to court, I never received paperwork for court. Now there is a hearing scheduled and I do not have transportation to attend. When I asked them how they could garnish my tax return without properly serving me paperwork, i was told by them they can not provide me with legal information. Nothing was given to me. Something that was owed to XXXX XXXX XXXX XXXX in XXXX after a voluntary repo, is now listed at over {$14000.00} they have taken nearly {$6000.00} so far from tax returns, and I owed less than {$7000.00} to XXXX XXXX. XXXX XXXX XXXX XXXX recently Did a Hard pull on my credit report on XX/XX/XXXX that was unauthorized causing my credit score to decrease by XXXX pts. 


XXXX TO BE DISMISSED - NO SERVICE XXXX XXXX ORDER TO BE SIGNED/OES XXXX ORDER EXTENDING SUMMONS XXXXXXXX XXXXXXXX SECOND SUMMONS ISSUED XXXXXXXXXXXX XXXX TO BE DISMISSED - NO SERVICE XXXXXXXX XXXX ORDER SUBSTITUTE SERVICE XXXX SERVICE BY SUBSTITUTION XXXXXXXX XXXX TO BE NO PROGRESSED XXXXXXXX XXXX NOTICE OF INTENT TO DISMISS-NO PROGRESS XXXXXXXX XXXX WAITING FOR NO PROGRESS DISMISSALS XXXX XXXX RETURNED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX JUDGMENT-DEFAULT XXXXXXXX  JUDGMENT OUTSTANDING XXXXXXXX XXXX RETURNED XXXX XXXX XXXX XXXX XXXX  GARNISHMENT RETURNED/MATH ERROR XXXXXXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORDER TO BE SIGNED/CDS XXXX XXXX HEARING XXXX XXXX ADJOURNED-NOT XXXX XXXX DISCOVERY HEARING XXXX XXXX CANCELED XXXXXXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXX XXXX PROOF OF SERVICE XXXX XXXX XXXX XXXX  DISCLOSURE FILED XXXX ORDER TO BE SIGNED/EXE XXXX REQUEST & XXXX TO SEIZE PROPERTY XXXX XXXX STATE XXXX MI XXXX ISSUED XXXX XXXX PROOF OF SERVICE XXXX XXXX XXXX XXXX XXXX DISCLOSURE FILED XXXX XXXX XXXX XXXX XXXXXXXX ISSUED XXXX XXXX PROOF XXXX SERVICE -XXXX XXXXXXXX XXXX DISCOVERY HEARING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, between XXXXXXXX XXXX XXXX XXXX XXXX I deposited a total of {$4900.00} into the Bank of America ATM IDXXXX XXXXXXXX ( check ATM camera ) located at XXXX XXXX XXXX XXXX in XXXX XXXX CA, of that amount the ATM only accepted {$3600.00} and returned {$1300.00} back to me. I attempted to redeposit the remaining {$1300.00} multiple times ( XXXX times ), every time I inserted the money, the ATM would try to count the money making the fast-ticking counting sound and returning the money back to me. On the XXXX attempt, the ATM did the same action, the fast-ticking counting sound, and the the insert money window tried to open multiple times making a strange sound and suddenly the screen turned off, kept my {$1300.00} deposit, and displayed a message to contact Bank of America because the ATM is temporarily unavailable. I immediately called Bank of America to report this matter. 
On XX/XX/XXXX, I get a message in my banking app with the resolution We adjusted your claim because we received {$100.00} in cash for your deposit. Since we gave you a temporary credit, well debit your account {$1200.00} on XX/XX/XXXX. This resolution is NOT ACCEPTABLE because I deposited {$1300.00} on that ATM before malfunctioning and I do not know how investigators do their job. I went to the location where those ATM machines were and they are no longer there, I spoke to the employees on site, and they said that the XXXX was broken-in and that these ATM machines were stolen.

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 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2024, I received an email from Synchrony bank informing me that they would start charging my account {$1.00} for a paper statement beginning XX/XX/2024. 

The credit card company is giving consumers less than 2 weeks notice about a significant change to the credit card agreement.

This is a discriminatory practice, not all customers have access to online means to obtain and pay their bill. They should not be charged {$1.00} a month to receive their credit card statement.

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