vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: PA

Complaint narrative:
I have a rewards program through Chase - Chase Ultimate Rewards. I booked a ticket through the rewards center for XXXX XXXX XX/XX/XXXX. 

XXXX canceled the flight the night before i was supposed to leave. I called the Rewards Center and requested a points refund. I was told that they would issue me a refund but in dollars. I said that would be fine. 

A month later I had no credit. I called and was told that it could take up to 2 months. 

The following month I called again. I was told that I would only get point credits. i said that would be fine. No credits I called again. I was told that i would get a credit voucher from XXXX XXXX. This did not make me very happy as i would have liked to use it for a XXXX XXXX flight but I reluctantly agreed. 

On XX/XX/XXXX I called to book a trip with these credits. The trip was supposedly booked. I got a confirmation email. I went to the site and there was no trip for XX/XX/XXXX. 
On Thursday XX/XX/XXXX I called for help. I was on the phone for 1hour and 35 minutes. Of that time i was on hold for 1 hour 5 minutes. I was told it was all fixed and i could see the new flight the next day. 

On XXXX - no flight. I called and had to tell my story all over again. I was on the phone for 45 minutes. They were supposed to call me back right away. No call. 

I called again later in the day and spoke to a " supervisor '' XXXX who told me that she would need to eliminate the original ticket and issue an entirely new one. It would take XXXX hours and i should expect an email as soon as the new ticket was booked. No email and no new ticket 5 days later. That call lasted XXXX minutes. 

The horrendous service but, more importantly, the lack of ability to resolve this issue for me is extremely disturbing. I want my money back so i can close out this rewards program ( i still have XXXX other trip on XX/XX/XXXX before i do this ) and never have to deal with this organization again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 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: ASSOCIATED BANC-CORP
State: NY

Complaint narrative:
I bought a car using Associated Bank for Financing in XX/XX/2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called Associated and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all 3 credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

i did not give anybody written instructions.

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 2022-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I previously had student loans that were being serviced by XXXX XXXX. On XX/XX/2021 I received a notice from XXXX that my loans were being transferred to XXXX. I never received any statements or correspondence regarding my loans from XXXX. Yesterday, I was notified by Aidvantage that my payments were about to resume and that I had an option to opt into auto-pay or not. I never received notification that my loans had been transferred to Aidvantage or any other correspondence from Aidvantage or XXXX. I was unable to access my online account for either serviced and ended up calling Aidvantage customer support. I let the CS rep know that no statements or documentation regarding them servicing my loan was sent to me and that I needed additional detail on my loans before opting in to any form of payment. I explicitly told the rep they do not have my consent to resume auto-payments and to not make any changes to my account. 

The next morning around XXXX, I received notification from Aidvantage that I had opted in for autopay. This occurred without my consent. None of my bank details or loan details beyond my balances are available on the Aidvantage website. Their website also inaccurately states that my payments will resume in 25 days although payments have once again been passed until the end of summer. 

Their business practices are dishonest and predatory. Aidvantage has made changes to my account and payment details without my consent. No notification of these loans being transferred from XXXX to Aidvantage was provided to the borrower. If these companies are not doing their due diligence to notify borrowers, they should not be trusted to service federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX I visited a XXXX resort in XXXX, Florida. After a lengthy sells pitch they sold me on a every other year timeshare. I was never told about my rights to rescind or given the POS. In XX/XX/XXXX, I used the timeshare and discovered it wasnt what I was originally sold. After making many calls and no reply from XXXX didnt hear anything from XXXX resorts until XX/XX/XXXX when they reported a delinquent account to my credit report. I had to call XXXX and I requested the original contract, etc.. ( via phone & written request ) which no one would assist, they just tried to sell me on a new timeshare. Completely disregarding my concerns. I have nothing with my signature stating I agreed or authorized XXXX to report to the credit bureaus. I have never received an inquiry to access my credit report and they have never reported the account until XX/XX/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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2015 I submitted a written letter with ID and XXXX card sent it to Equifax because I was unable to view or obtain my credit report or score. I have been doing so for the for the pass XXXX years and I still have not be able to review or see my credit profile or score this has prevented me from obtaining credit and buying a home. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: PA

Complaint narrative:
Late Payments Were Put Onto My Account whenever I Was Enrolled In XXXX. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From XXXX Years Ago 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
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX  Original account : XXXX XXXXXXXX XXXX  XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the to privacy. 

XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

i did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XX/XX/2021 payment history shows XXXX days late however the information reporting is incorrect. I have tried reaching out to the mortgage company " Shellpoint '' to get this corrected however no there has helped resolved this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GOLDMAN SACHS XXXX XXXX XXXX for committing identity theft. I have never given GOLDMAN SACHS XXXX XXXX XXXX  any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ). 

I have never received any documentation requesting validation from GOLDMAN SACHS XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to XXXX XXXX Code XXXX ( XXXX ) which the FTC defines as debt parking. If GOLDMAN SACHS XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

The status of this account reporting as a XXXX XXXX is an inaccurate account, which is a violation of XXXX XXXX XXXX XXXX ( b ). 
The continued reporting of this inaccurate information is a clear violation XXXX XXXX XXXX XXXX your responsibilities as a furnish ofinformation & XXXX XXXX XXXX XXXX ( b ). 


I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GOLDMAN SACHS XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and GOLDMAN SACHS XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and GOLDMAN SACHS XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
On date XXXX XXXX, added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection.. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its yours. According to the FCRA, Mead & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
my complaint is against synchrony bank and involves lowes credit card havertys credit card PayPal credit and synchrony XXXX XXXX XXXX. on or around XXXX XXXX synchrony bank was notified of several accounts I did not open. on or around XXXX I was notified that out of the accounts I disputed only 4 were being deleted for identity theft leaving me with the remaining accounts. I don't know who makes these decisions but this is ridiculous I had filed disputes with all 3 credit bureaus including both a police report and an identity theft affidavit. I believe the law is clearly on my side and synchrony bank should remove these accounts I did not open. I would like to add that I had 3 accounts with synchrony bank that were opened by me that were also closed even though I did not report them as identity theft these accounts were in good standing and were paid on time I believe synchrony bank was punishing me for being a victim of identity theft and further damaging my 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 non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Venmo closed my account and will not give me a specific reason. They first asked me to upload a picture of my ID which did, which I already done previously when I received my Venmo Debit card in XXXX XXXX 2021. My account was suddenly frozen Venmo sent me a vague email stating my transactions were in violation of their terms of service agreement. My transactions were money between friends, grocery stores, XXXX, etc. When I asked what specific transaction are you referring to they said they could not tell me. They informed via email that the funds in my Venmo account would be held for XXXX days for loss prevention measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX : by XXXX XXXX card opened in my name. I closed the account on XX/XX/XXXX when I received the statement. 

Bank of America just called me regarding a request in my name.

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