vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Booked flight through Chase XXXX in XX/XX/XXXX. XXXXXXXX XXXX  changed flight by 1 day, so I contacted Chase XXXX to cancel this flight. There was an issue in cancelling the flight, but the Chase XXXX XXXX let me know she would keep working on it and I would get a refund. I have followed up with Chase XXXX at least 5 times throughout the year and talked with multiple supervisors who assured me they would work on my case in getting my refund. The last supervisor I spoke to in XX/XX/XXXX told me she would call me every night for an update even if there was none. She only called me XXXX time and I have not heard from Chase since then. I called Chase XXXX today, XX/XX/XXXX. They said to contact XXXX directly. When I contact XXXX, they say " if you purchased your tickets through a travel agency and the refund must be processed directly by them ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-06 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/24 I contacted Mohela to check on the status for a refund request I made with XXXX ( my original lender ) in XXXX and another request I made with mohela in XXXX. The representative I spoke with informed me that the XXXX department claims I did not make any payments during the COVID payment pause. They wont let me speak with this department. I offered to provide documentation in the form of bank statements with the transactions of payments totaling {$77000.00}. He then offered to transfer me to the resolutions department. After being transferred, they disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Never heard of this company before never purchase lease or loan a car from them

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Never heard of this company before never purchase lease or loan a car from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX Bank has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX XXXX  has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX XXXX  has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of 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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WELLS FARGO BANK XXXX XXXX. 
I HAD IDENTITY THEFT ( STILL DO ) i HAVE WORKED WITH MY BANKS AND THE ONLY ONE THAT HAS NOT HELPED IS XXXX. 
THEY CALLED POLICE FOR ELDER FINANCIAL ABUSE, I WENT THRU 6 MONTHS OF BANK PRINTOUTS. FOR THEY PROMISED TO PAY ME BACK BECAUSE XXXX MOS OUT OF THE XXXX THEY KEPT SENDING DEBIT CARD TO MY HACKER, NOT ME. I DID NOT HAVE A CARD FOR 4 MONTHS. XXXX POLICE REPORTS, FTC, CREDIT CARD FRAUD, MAIL FRAUD ETC. EVEN FBI. SO INSTEAD OF HANDLING IT AS PROMISED THEY CLOSED MY ACCOUNT " LOSS PREVETION DENIED MY CLAIMS AS HIGH RISK '' THE BANKER WAS ALSO MAD AND ESCALATED COMPLAINT FOR I HAD WORKED WITH HER FOR 2 MONTHS, STILL NOTHIING. i AM OUT APPROX XXXX FROM BANK AND OVER XXXX ONLINE. SHE STILL IS TAKING MY CLIENTS MONEY BUT NOBODY WILL HELP ME! I AM NOW HOMELESS AND ABOUT TO LOSE EVERYTHING ELSE.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-06 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX my online banking account was hacked and 4 unauthorized transactions were made using my debit card ending in XXXX. 

I have reported this to Regions Bank on XX/XX/XXXX. 

These transactions were XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$200.00} Total of Fraud transaction = {$4700.00} Facts Are As Follows : 1 ) My online banking credentials were hack and an unauthorize change of my online credentials occurred on XX/XX/XXXX. 
2 ) The fraudster/hacker moved all the money from my saving accounts to my primary checking account ending in XXXX. 
3 ) After the money was moved to my primary checking account, the fraudster/hacker made 4 unauthorized transactions as noted above. 

Regions bank as not given me my money back. 
This event occured on XX/XX/XXXX and as of today XX/XX/XXXX, I have been issued a 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently submitted a dispute for a collections account due to account being a medical debt less then 12 months old which is violating reporting laws. Dispute was updated within less then 24hrs stating that account was verified as accurate but I was not given any proof of verification and account is still illegally being reported on my credit. 

Account : XXXX XXXX XXXXXXXX {$2800.00} I also disputed inquiries on my report which were not made by me. Company also verified these inquiries as accurate, however I have been shown zero proof as to where I am the one that authorized these inquiries. I have reported fraudulent activity to the FTC multiple times however the credit bureaus continue reporting these fraudulent inquiries on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Closed this complaint with another lie and ridiculous explanation without addressing the issue AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE CFPB COMPLAINT OF ANY PREVIOUS OR RECENTLY SUBMITTED CFPB COMPLAINT. 

On XX/XX/XXXX, I submitted a request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

In a letter dated XX/XX/XXXX, LexisNexis requested that I contact them via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, at XXXX XXXX, I contacted LexisNexis via telephone and spoke with their representative named XXXX . Once again, I requested an updated copy of my LexisNexis Accurint Report. 

In a second letter dated XX/XX/XXXX, LexisNexis again requested that I contact them via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, at XXXX XXXX, I contacted LexisNexis via telephone and spoke with their representative named XXXX XXXX Once again, I requested an updated copy of my LexisNexis Accurint Report. 

On XX/XX/XXXX, I submitted another request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

In a third letter dated XX/XX/XXXX, you again requested that I contact you via telephone to request my LexisNexis Accurint Report. 

On XX/XX/XXXX, I submitted another request via email for an updated copy of my LexisNexis Accurint Report ( XXXX ). 

What else do I have to do to receive an updated copy of my LexisNexis Accurint Report? Ive called. Ive emailed. Ive written. Ive even submitted CFPB complaints that LexisNexis has ignored or blatantly lied to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Request for Deletion of XXXX Accounts from Credit Report Dear Experian Dispute Department, I am writing to request the removal of certain accounts associated with XXXX from my credit report. Upon reviewing my credit report, I have discovered accounts linked to XXXX that do not belong to me. I have enclosed a letter from XXXX stating that I do not have any accounts with them. 
I kindly request that you investigate this matter promptly and remove these erroneous accounts from my credit report. These inaccuracies are negatively impacting my credit score and financial standing, and they must be rectified as soon as possible. 

I assure you that I have never had any dealings with XXXX, and the presence of these accounts on my credit report is entirely erroneous. I have taken all necessary steps to verify my credit history, and I am confident that the information provided by XXXX confirms my non-affiliation with them. 

Please inform me of the steps I need to take to ensure the prompt removal of these inaccurate accounts from my credit report. I appreciate your attention to this matter and your assistance in resolving it efficiently. 

Thank you for your cooperation and prompt action on this matter.

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 2024-02-06 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: PR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Another lie from this predatory company STILL WORKING ON THE ISSUE WHICH REALLY MEANS THEY ARE NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage company has changed hands several times over the past ten years. Whomever is now holding my mortgage is required me to change the name on my home insurance to have mine and my wife 's middle initials such that it appear exactly as it is on our deed. We complied and had our insurance company send the revised policy to NewRez. 

We have also been requested that we send NewRez a copy of our HOA Liability Insurance Policy. Our insurance agent confirmed that they did so. 

We continue to receive letters from NewRez that we have not complied with their requests and as such, they are going to force us to purchase insurance from them! This is a scam! They are imposing new and unnecessary requirements on mortgage customers to force them to buy insurance that they don't need. 

PLEASE HELP AND SHUT THIS UNSCRUPULOUS BUSINESS DOWN!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: PR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief