vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I noticed I had unauthorized charges on my Huntington checking account when waking up XX/XX/XXXX for various amounts. I IMMEDIATELY called the bank to dispute the charges. I also had my debit card cancelled. I explained to them my phone was stolen over the weekend and that was most likely how this occurred, but I wasn't certain. I explained to them I was at a new address, but they still sent the replacement debit card to my old address! I have not received it to this day! 

Over the following couple days I had MORE charges despite cancelling my debit card and reporting the issues. I immediately went to my local branch to try to see what I could do to have these fraudulent charges STOPPED. These new charges should have never occurred given the information I provided to the bank days earlier. The lady told me she would take care of it, but didn't do anything until I followed up via email. She seemed new and not properly trained in handling this situation properly. 

Over a week went by and I called back, only to find out the 2nd batch of charges were reversed as they should be. however the initial batch was DECLINED. I explained once again everything that occurred and they re-opened the case with new notes ( apparently the first representative never documented anything I said ). Why is the 2nd claim approved but the 1st claim declined? They were during the same time period and both fraudulent charges not made by me. 

Another week goes by and I called back, only to find out the claim was denied yet again. These were large amounts of fraudulent charges that I did not make, and I feel that I have cooperated and went out of my way to pre-emptively try and fix everything but the bank is not being responsive or listening to me or the evidence provided. The lady on the phone was not helpful and basically said " too bad ''. The representatives are largely dismissive and not helpful... failing to document notes/evidence provided and sending my replacement debit card to a different address than mine own. They also did not properly help charges from continuing to occur after my first call. I have also been in continuous contact with the branch via email with no real help or solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TX

Complaint narrative:
I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. Experian, XXXX XXXX, and XXXX in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 
As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.

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 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Shellpoint mortgage servicing I believe has a complex scam going on. Just look at the XXXX complaints. They average one a day!!!!! 
It's always accounting " mistakes '' and " misunderstandings '' please investigate this company NOW!!!!! 

For me it's the app not letting me apply extra payments. I believe they have cookies preventing me for being able to click the button. And payments not applied ... ugh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against your organization.

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 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
They just keep sending a bill that does not prove its my debit. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AP

Complaint narrative:
Debt have been paid. Amount XXXX. Reference number XXXX. It's still showing on my credit report. I wasn't aware or notified of the bill/debt. I informed the ( ERC ) ( XXXX  ) to remove/delete collection from my credit report after being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: DISCOVER BANK
State: LA

Complaint narrative:
XXXX XXXX Discover Card XXXX XXXX XXXX XXXX XXXX US SM Bus Admin XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MO

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-07-25 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: NM

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.

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 2023-07-25 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: EQUIFAX, INC.
State: NM

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.

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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased vanilla gift card at XXXX for {$100.00} on XX/XX/XXXX with XXXX activation. I quickly found out that it did not have all the numbers on it- it only had XXXX therefore defective. I sent case info on XX/XX/XXXX and feel like they are acting unethical in their refund/replacement process. I have included below an email I sent to them today. Ive made numerous (! ) calls but still issue a nresolved. I googled complaints online regarding these cards and the complaints listed are in the hundreds. 
Here is the email I sent today after also calling today. 
Case XXXX Please provide update. Ive called customer service 6 or more times & keep getting this info 30 business days to process n then 10 business days to mail. 
Then I was told I would receive replacement card by XX/XX/XXXX that did not happen. I purchased card XX/XX/XXXX and sent case information multiple times. Your company has confirmed my complaint and request as if XX/XX/XXXX. 
All calls that I have made since XX/XX/XXXX. I receive the same response. We have escalated your request. Call back within 24-48 hours & we have informed back office that this request is out of the standard processing time frame. I purchased card and it was defective. It only had 12 numbers on it. Please please process this request. I have done nothing wrong. I purchased a product and it is defected.

~~~~~~ Im not sure this is the correct avenue but thought I would try this way first, please advise accordingly. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized & unrecognized inquiries on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized & unrecognized inquiries on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have made all my payments and the account balance shows {$0.00}. I am trying to close the account and the company representatives pass my call around and eventually hang up. Have tried calling multiple times about this and same thing every time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, I contacted the Chase credit card company and requested that an agent transfer XXXX Ultimate Rewards points to their transfer XXXX XXXX XXXX XXXX The agent who handled the call had trouble understanding XXXX, so I re-read everything and verified she had the correct amount of points to be transferred and also the correct XXXX account number to transfer them to. After the call I went to the Chase website and saw that XXXX points were transferred to XXXX XXXX instead of the XXXX I requested. I called Chase and asked them to reverse the transaction, listen to the recorded call tapes, and they said they are unable to do that and would investigate and send me a letter in the future. I want Chase to reverse or refund the excess amount that they transferred in error, XXXX, and put them back in my account so that I am made whole again and don't have a massive amount of miles in a program that I do not frequently use and do not want those points in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: PA

Complaint narrative:
Its late payment of self account being reported thats inaccurate I sent the a letter in and it hasnt been re moved its also been over XXXX + days

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have many inquireies falsley being reporeted. I tried reporting to the FTC but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TN

Complaint narrative:
XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent 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 non-monetary relief
Consumer complaint received 2023-07-25 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: TN

Complaint narrative:
XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
In XXXX of XXXX my husband and I entered into a loan agreement with Santander Consumer USA for our XXXX XXXX XXXX. We decided to refinance our loan a year later and completed the payoff process through the refinance. We contacted Santander at the end of XX/XX/XXXX and inquired about our gap cancellation refund. We were advised to reach out to our dealership because they had no information on our gap insurance. We contacted XXXX XXXX XXXX who informed us that a check was issued to Santander on our behalf on XX/XX/XXXX, and that we needed to get our refund from Santander. We reached out to Santander again last week XX/XX/XXXX and the agent advised us that they never received any gap cancellation payoff from XXXX XXXX. I then emailed the check from XXXX XXXX XXXX showing that it had been sent to Santander. She then advised us that the accounting department would have to investigate and to call back in about a week. We called today XX/XX/XXXX to follow up and was informed that the accounting department shows that they issued a check to us on XX/XX/XXXX in the amount of {$630.00}, check number XXXX. I advised the agent that not only did we not receive a check but why would you issue a check with the same check number our dealership sent you. Apparently, the investigator is reading their payoff as a check that was issued to us, when in fact the check was never issued. We asked for an image of the check, Santander could not provide us with one. We inquired on a reissue and the agent said that it could not be reissued because it is showing as paid. When in fact it was never issued or mailed. We asked to escalate the issue to the executive level and have been dealing with issue for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
The complaints are against XXXXXXXX XXXX, Absolute recovery services, All three credit burueas. XXXX XXXX  in 2018 was paid in full XXXX from XXXX XXXX XXXX for a rental agreement between them and I. At the time I informed them I would soon be having a child so I need to get utilities situated either I add someone to the lease to assist if any problems on my end they denied me putting someone else on lease also they denied keeping them on causing me to bring a child home after being born to a cold house in the winter which cost him to be very XXXX  and me they had no compassion towards me being a XXXX XXXX in assisting me they then I guess sent it over to their collection agency in which whom I reached out to after several times reaching out to all credit burueas in which states they took in my request for dispute while requesting one buruea stated im being charged twice for same amount while other buruea state I'm only being chatted once also the debt agency said they would not help dispute cause I sign lease stating I was only to give them written consent and she could not find in which paragraph it stated I had to amd or I signed an agreement stating I knew of written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information from XXXX XXXX ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.

Company response to consumer: Closed with explanation