vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I was given an American Express, " AMEX '', Prepaid Gift card as a " cash '' prize for a notable sum of money. I was given it in the form of a url. I have no account information, no password to protect the card, just a link that tells me everything about the card. I also was not asked to register a name or billing address, just told to use my normal information. 

Upon trying to use the card, I was rejected at nearly all modern major retailers I tried online. In particular, XXXX and XXXX, both of whom specifically list American Express Prepaid Gift Cards as acceptable forms of payment, were not able to complete transactions with the card. Additionally, in person at an XXXX store the card was denied when used via XXXX XXXX XXXX. I called each service and spoke with a live support agent who said that American Express was rejecting the transaction. 

Other sites I recall that don't work are XXXX and XXXX 

A common theme is that if an online retailer asks for the address, the transaction usually fails. American Express support strongly emphasizes I need to use vendors that request the expiration date and pin, despite all online vendors already doing that, and it seeming to make no difference. 

As for in-store transactions, as I said above, XXXX rejected it, but grocery stores ( Such as XXXX XXXX, a XXXX chain XXXX and most food service places accepted it. Since I received the card I have moved states, and at first it seemed that in-store transactions continued to work. But, about a week after moving states, the card is now rejected everywhere I have tried, despite me not changing anything with the card in my XXXX XXXX  app. It worked at XXXX ( another XXXX chain ) two weeks ago but not is consistently " Not Approved, '' XXXX rejects it outright. Local mom & pop restaurants all reject it. 

MOST IMPORTANTLY : American Express customer service has provided no meaningful support. They read off a script and tell me what it says online, and tell me if the card doesn't work then I should blame the retailer. They offer no solutions or alternatives. In the weeks I have tried working with them, their phone support has been redesigned in an attempt to prevent speaking with an agent. Instead, they offer automatic prompts that ask me to press a number, and none address my question. They only offer to read me a balance, list answers to pre programmed questions that don't remotely address my issues, or they redirect me to the online support, which then redirects me back to the phone system. I am now only able to reach an agent by reporting my card stolen as if it's a physical card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
The company is Rushmore Loan Management. I fell behind on my mortgage after my hot water tank and dryer broke, and cellar flooded in XX/XX/2022. To add to the challenges, my fianc was diagnosed with a rare type of XXXX XXXX. With an income of only {$1500.00} a month, I had to deplete my savings to cover the expenses of buying new appliances and dealing with the floods. Additionally, I had to bear the burden of taking my fianc to numerous XXXX and XXXX treatments XXXX miles away, sometimes on a daily basis. 

Paying the loan has become even more difficult due to the fact that they don't accept debit card payments. I've exhausted my life savings, and now they're suggesting another loan modification that might increase the interest rate. Despite agreeing to almost double my mortgage payment to catch up, it hasnt worked I fell behind again. Moreover, they incessantly call me at all hours of the day, creating additional stress. 

Well, that's my rant for the day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
USAA POLICY NOT PEOPLE I am in the process of moving. Money is in motion, and I had a payment returned ( I covered it immediately ) I saw what had happened and took out a loan against my XXXX to shore things up. The money was sent by check because I had not set up ACH. The XXXX is held by XXXX, and represented a loan against my own money. I deposited the check via mobile deposit and USAA placed a ten day hold on the funds. When I called in to see about getting help I was told by the agent I was being punished because of the returned payment. I reached out to their executive team and was told that was their policy. The funds have already settled in the account. There is no risk to USAA. I have turned off my direct deposit, and have removed the account from all payment areas. I am moving my insurance elsewhere. My mortgage and car loans will be done locally. This is a company that places policies and punishment over people. I will not send them another dime. XXXX in their executive customer service did nothing to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NC

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
They continue to report inaccurate information names dates and address telephone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a credit card with Bank of America for many years. It was on automatic debit so that each month the amount of the entire bill was authorized to be deducted from my checking account. According to a recently received credit report for me Bank of America reported that I was thirty ( 30 ) days late with a payment due in XXXX of 2018. If the payment was late it was not due to my error as there was an automatic debit agreement in effect during this 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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been denied a place to live for over a year due to inaccurate information being reported on my credit report by XXXX, experian, XXXX, XXXX, XXXX XXXX and others. I have contacted these companies as well as received information from the court that stated they did not report this information that these companies took it upon themselves to report this information that has caused me to have issues with finding a stable place to live. This situation has caused a great deal of dramatic damage mentally and physically. This has tarnished my reputation as a consumer and put me in a bad postion.

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 2023-08-02 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:
Transunion has repeatedly failed to provide accurate and validated documentation for a bankruptcy on my credit report that does not belong to me. I've consistently asked for documentation and information, per my consumer rights, relating to how the information is valid. I have not filed for Bankruptcy within the United States of America, ever. There is a bankruptcy on my Transunion report ONLY that they have failed to remove. No bankruptcy exists for me. I have contacted the court ( attached ) and they have also stated they do not report such information to third-parties such as credit bureaus. This must be removed ASAP or I will file a lawsuit. 

NOT A DUPLICATE CASE.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference

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 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KP ASSET CONSULTING LLC
State: SC

Complaint narrative:
I have been receiving phone calls from XXXX XXXX, IDK the name of the company because he doesn't provide that information in his messages ; however, he is calling me from XXXX and leaving messages that would not be a good idea to leave ( to me ). I feel threatened, very threatened which will make me " guarded '' and will defend myself. 

That XXXX has left the following message on yesterday, XX/XX/XXXX  : I am a location XXXX, XXXX XXXX calling today in reference to a pending claim by law I have to make you aware that once the claim is filed it becomes public record, your name and social are affiliated with this claim you need to contact the filing party before I parrot your home and job with your documents you do have the right to contact filing party their number is XXXX. 

The second message that he left today reads : I have to make you aware that the filing will become public records soon please be available with identification with both of your job and home tomorrow if I can not locate you a direct refusal to comply will be set on your behalf every attempt to contact you has been made the number you must call prior to being located is XXXX see you soon ... '' I have these recordings in my VOICEMAIL. I will upload them

Company response to consumer: Untimely response
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The issue is about the additional monthly lease charge made by J. P. Morgan Chase Bank ( hereinafter Chase ) on behalf of XXXX XXXX XXXX at the end of the Lease XXXX : XXXX of a XXXX XXXX XXXX WA, with XXXX : XXXX. 

The amount of {$310.00} was erroneously included in the Payoff for Lease Vehicle Purchase Letter issued by Chase on behalf of XXXX XXXX XXXX on XX/XX/XXXX for a total of {$15000.00}. At the time of issuance of the Payoff letter, all 36 monthly lease payments had been completed. This error led to the overpayment of {$310.00} when on XXXX XXXX, XXXX XXXX XXXX received the payoff check issued on my behalf by the XXXX XXXX XXXX XXXX for a total of {$15000.00}, for me to pay the purchase price of the above referenced vehicle. 

I've had numerous calls with Chase regarding this matter, and my final attempt to amicably resolve this issue was a letter dated XX/XX/XXXX that I sent through certified mail to XXXX XXXX XXXX, to which I enclosed the following documents : XXXX. Letter from the XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with XXXX pages attached to it. This letter and its attachments serve to confirm that Check number XXXX for {$15000.00} was delivered to XXXX XXXX XXXX on XX/XX/XXXX, and was endorsed on the back by Chase Auto Finance on XX/XX/XXXX. 
XXXX A printout from my Lease account of the above referenced vehicle, which shows that on XXXX, XXXX XXXX XXXX XXXX applied as a XXXX monthly Lease payment the amount of {$310.00}, even though my Lease Agreement on the above referenced vehicle was for 36 monthly payments, and the Lease was agreed to end on XXXX. Since the XXXX payment was processed on XXXX, when XXXX XXXX XXXX issued the Payoff for Lease Vehicle Purchase Letter on XXXX, there was no monthly payment due. Additionally, as the Check issued by the XXXX XXXX XXXX XXXX to pay the purchase price of the vehicle was received by XXXX XXXX XXXX on XXXX, this is prior to the expiration of the Lease Agreement, there is no doubt that the payoff check for a total of {$15000.00}, included an overpayment of {$310.00}, which XXXX XXXX XXXX is obligated to refund. 

As I never got a response to my XX/XX/XXXX letter, on XX/XX/XXXX, I once again called Chase, and was told to go its branch in XXXX, MO, to fax tmy XX/XX/XXXX letter and supporting documents to their office, which I did on the same XX/XX/XXXX. 

To this day, XXXX XXXX XXXX has simply ignored my claim that they need to reimburse me the {$310.00}, as this is an additional monthly lease charge that I did not have to pay. 

I hope through the CFPB we can bring this issue to a final resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is inaccurately reporting information on my consumer report. Navient is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted Navient and they didnt correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NY

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX deceived me, into signing up for a credit card with Synchrony Bank , which would pay for the work under the credit card. XX/XX/2022. 
I as an XXXX, XXXX individual, did not understand that he was signing up and authorizing a purchase on a credit card. 
I was never informed the plaintiff that he was applying for a credit card. 
Synchrony Bank authorized the payment of {$7500.00} charged to the credit card Synchrony Bank failed to inform me that I had signed up for a credit card. 
Synchrony Bank failed to inform the me of the {$7500.00} charge they authorized to XXXX . 
Synchrony Bank now, through its collections agents, has sought payment in the amount of the {$7500.00} charge on the credit card. 
I has since disputed and raised concerns regarding the account delinquency. 
Synchrony Bank has since reported the account delinquency to the national credit reporting agencies, causing a decrease in my credit scores, and causing distress to his financial position. 
Moreover, I contends that my signature on the loan documents was forged, to which I notified Synchrony Bank. Synchrony Bank failed to investigate said potential fraud, and I was both ignored and disregarded by Synchrony Bank. 
In connection to my disputes, Synchrony Bank failed to report to the credit reporting agencies that I was currently disputing the account delinquency that was reported in accordance with Fair Credit Reporting Act. 

Synchrony Bank through the credit card has caused damage to 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 2023-08-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filled in and submitted an application to open a 7 month featured CD with Bank of America on the XXXX of XXXX, 2023 for {$30000.00}. I had also filled in details of my XXXX Savings account from which the money had to be taken. The money got taken out by Bank of America on the XXXX of XXXX itself, however my CD has not been opened yet. I do not see any new CD on my Bank of America dashboard, neither did I receive an email. I keep calling them up on their dedicated line : XXXX and they keep mentioning that my application is in progress and is undergoing research due to a technical failure. I am deeply concerned as my money has been taken away and there is no news on the account opening for 19 business days now.

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