vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Credit Card : XXXX XXXX Issuer : JP Morgan Chase Bank XXXX : Annual Fee ( Misleading Marketing ) At the end of XXXX, 2023 I was approved for the XXXX XXXX credit card with an annual fee of {$520.00}. On XX/XX/2023 I was charged the annual fee. I contacted Chase and they stated that because the " Pricing & Terms '' does not state annual fee waived, the consumer must assume that the annual fee is due immediately after opening the account. 

Complaint : this is deceptive and misleading marketing practice. The bank should not leave it up to the consumer to interpret their generic and vague language in the terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My FTC XXXX number XXXX Please delete the items as soon as possible.

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 2023-06-05 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I dis not apply for these auto loans I do not have a car or a drivers license to even get this i XXXX XXXX did not apply for these loans these loan an they need to be off my account please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Been working with irs with an audit for months and still showing 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 2023-06-05 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
AidVantage is horrible. Customer service is filled with rude, incompetent, and unprofessional representatives. These are student loan accounts that these folks are responsible for. I did a consolidation application a month ago via StudentAid.gov in which I added two loans, but only one was added to the consolidation {$7000.00}. Received a letter a week ago stating that consolidation was complete and that I had 10 days to add additional loans to the consolidation. I called AidVantage and was hung up on twice. I finally reached someone who added the {$2800.00} that was missed from the initial application then a week later, I received a letter stating that the application had been denied due to applicant canceling the application ( 07 ) which is not true -- a bold faced lie. I am on the phone now trying to reach a supervisor in which I was told by several customer service reps that it was very hard to reach a supervisor. Someone in this company has denied my previously approved consolidation application and is stating that I sent an email canceling which is not true. Horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: GA

Complaint narrative:
see attached

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 2023-06-05 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: IL

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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:
Please see the attached notarized Affidavit of Truth informing Equifax of my intent to sue due to negligence, statutory, and punitive damages. I have been trying to remedy this account for over 9 months. Attached is the credit report showing the inconsistent data. I have all dispute letters, cfpb complaints, and documentation for my case. I also sent in proof that the account was never late which I will have readily available for court. I was denied credit due to this faulty reporting and I can legally seek statutory damages up to {$1000.00}. XXXX lowered my credit limit due to your inaccurate reporting which I can prove as well. Also, please see the XX/XX/XXXX report and the XX/XX/XXXX report where Equifax removed the late payment from XX/XX/XXXX and put it to XX/XX/XXXX. The car was paid off by XXXX of this year. Another violation where I have proof of this negligence. If the late payment is not removed from account XXXXXXXX XXXX XXXXXXXX, I will move forward with filing a statement of claim in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX ( XXXX  ) offers on its website, open Citibank MasterCard Acct, pay for this flight with Citicard. If youre approved {$200.00} credit, plus XXXX points, free checked bag, no fee first year, etc. They claim they will provide a number to use for immediate use of this offer. I fell for it. I applied, I was approved, BUT Citicard wont tell me my number, so guess what, XXXX  only hold flight 24-48 hours, so its useless to use their offer, and now Im stuck with another credit card. Its a scam. I have contacted XXXX, Citibank, etc. with responses of oh we are sorry.,. Would like to send you screenshots. Thanks!

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 2023-06-05 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX, I initiated a standard ( non-instant ) transfer from my Square Business Account of {$4100.00} to my personal Chase Checking account via the Square Portal. I own both the business tied to Square and the said personal checking account. In the past, I've been able to make instant transfers between these accounts with no problems. The portal claims the money will be available in 1-2 business days. 

The following Monday was a holiday so I figured the money will hit the account on Tuesday, which didn't happen. I thought I'd give it another business day. On Wednesday, XX/XX/XXXX, after still not having the money in the account - I called Square Customer support. I was told two things : 1. They were having " issues '' with transfers the day prior so my transfer may have been affected. 
2. That it still shows a " Pending '' status. 

I was told to wait one more business day again. Thursday came and the money still hasn't arrived. I called Square again where I was told that now the status has changed to " Complete '' and was given a transfer trace number that apparently I can provide XXXX when I call them about the missing transfer. 

I called XXXX and was passed around until I was sent to someone apparently in the ACH department, only to be told that the trace number is of no use and they also do not see misrouted or any pending transfers whatsoever. The " XXXX XXXX '' number of XXXX for XXXX on Square 's help section was also no good and only routed me to regular Customer Support. 

I called Square again and informed them of my call with XXXX. I was instructed to go to a physical branch where I have to apparently ask for a letter that verifies who I spoke with at the branch, its fax number and the " dates '' they looked at. 

I went to XXXX today and was given a cookie cutter letter of my deposit summary- nowhere stating that an ACH transfer was not found on any date range. Apparently, if they have to type a custom letter, " legal : will be involved. I was given a business card of the branch VP with the fax number but that was it. 

I responded to the Square email with a copy of this verification statement XXXX gave me and a scan of the business card but it has been 5 business days since I sent the transfer and the money still could not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I filed a complaint with amex, I think they cheated me. When I applied for the Amex Hilton Aspire credit card before, I clearly remembered that I applied for the card because they claimed that they would give away XXXX XXXX points when they spent {$4000.00} with the credit card in the first three months. I applied through a friend 's referral link, but my application was not accepted because they said I didn't have an SSN so I had to call to apply. I then successfully applied over the phone, and they didn't mention that I was ineligible for the Welcome Offer ( this is in conflict with Amex saying : they reminded me that I was ineligible, because I believe their calls were recorded ). I filed a complaint with Amex, but they don't think they have a problem. I actually don't care about the Hilton points that this credit card welcome bonus gives, I just think that not everyone is willing to spend time fighting for the rights they deserve with big companies because of this trivial matter. As a result, a large company like Amex has a lot of loopholes to exploit when implementing the bonus mentioned in the promotional advertisement. Amex can make an excuse, but in many cases, just like when I applied for this credit card, Amex failed to fulfill its duty of disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: OR

Complaint narrative:
No amounts where settled or fixed by trans union rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers XXXX XXXX which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of trans union that were going thru a credit card that I never opened up? So there was two trans union accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.

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 2023-06-05 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: OR

Complaint narrative:
No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers po box which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.

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 2023-06-05 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act ( XXXX ) account number XXXX has violated my rights. 
15USC 1681 section 602 states I have the right to privacy.

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

15USC 1666 B : a creditor may not treat a payment on a credit account under an open-end consumer credit plan As late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: GA

Complaint narrative:
I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! 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 Account name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX 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 ( AX1 ) 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. In this is holding me back in hurting my credit profile from my future of purchasing me a new home

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 2023-06-05 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: GA

Complaint narrative:
I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! 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 Account name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX 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 ( AX1 ) 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. In this is holding me back in hurting my credit profile from my future of purchasing me a new home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: DISCOVER BANK
State: OH

Complaint narrative:
I have been a customer discover for about a year. I have had issues within that year with hacking and other problems. I have recently been told that my identity has been compormised. I had an issue where someone was trying to log in as me to dispute charges on the bill. I did make some of the charges, and I had this individual try to damage and ruin my credit. I have reached out to discover to inform them that someone had hacked my email address and my computer and they shut my card down due to filing to many disputes. I was not the one filing said disputes, I recently got an letter from discover that was listed with my address to a XXXX XXXX, who lived at XXXX XXXX XXXX XXXX ohio XXXX. I am not XXXX XXXX I am XXXX XXXX. I believe that this individual might have something to due with the indentiy theft that has been occuring, also on my hot mail someone is trying to constantly log in as me and present false information. I am going to send you all of the documentation that has anything to due with this case. I current address is XXXX XXXX XXXX XXXX ohio XXXX.

Company response to consumer: Closed with explanation