vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: OK

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My car payment is due on XX/XX/XXXX. On the morning of XX/XX/XXXX I noticed a low balance that would not cover the car payment. I submitted a cashiers check to my bank BMO harris for more than enough funds to cover the car payment. The check was accepted and the amount posted to my account. On the morning of XX/XX/XXXX it showed that my payment went through and was processed by my Bank BMO Harris. The next day on XX/XX/XXXX BMO sent me an email stating that my car payment had been returned for insufficient funds. This has caused significant harm and now will have fees due to missing car payment. This level of incompetence should not be tolerated and BMO Harris should not be allowed to handle the publics money. Please 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. I disclosed a copy of my drivers license and social security card to show I am the person sending this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, baed on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : 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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I obtained the american express platinum card because they sent me an offer for XXXX membership rewards points for XXXX dollars of spend within 6 months and I accepted the offer and was approved for the platinum card. 

On XX/XX/XXXX, I received my XXXX points but I kept using the card well after that date until I found out on XXXX that I received the points so started spending with other credit cards that had better points rewards for other categories ( groceries, dining, entertainment, etc ). 

On XX/XX/XXXX, I found out that american express took away my XXXX points. I reached out to chat support asking why the points were taken away and found out that it was because I had refunds/credits on my statement and they reiterated the terms and conditions saying that any misuse/abuse/gaming including refunds/credits on the account will allow for american express to take back those points. I asked for the specific transaction but they refused to give me the specific transaction and said that they will never add back the points no matter what. 

I asserted that american express should not have awarded me the XXXX points in the first place or simply took away the XXXX points when the credit/refund was first seen because I would have more than happily made more purchases but they took away the XXXX points 4 months later ( 2 months after when the welcome offer would expire ) almost as if they did it so that they could specifically not add the points back. This is extremely deceptive and unfair and I feel like they specifically used the timeframe to their advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, and Proof of Address.

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 2024-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, and Proof of Address.

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 2024-07-17 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: DISCOVER BANK
State: IL

Complaint narrative:
I've been a loyal Discover credit card holder for over 8 years, maintaining a good standing by diligently paying my bills each month. My brother also uses the card occasionally. Recently, I discovered fraudulent transactions on my account, which were occurring daily and ranged from {$19.00} to over {$250.00} per transaction. Some days, there were multiple transactions of {$19.00} or {$40.00}, up to twenty times, which is highly unusual. 

Initially, I assumed these charges were made by my brother and paid them off without questioning. However, I later learned that he hadn't made any of these transactions, leading me to realize I had unnecessarily covered the fraudulent charges. 

Upon discovering this, I promptly contacted Discover to dispute these transactions. Unfortunately, Discover declined my dispute without thoroughly investigating the matter. They did not validate the transactions with the merchants involved or analyze the patterns, such as the countries of origin, IP addresses, or the unusual frequency of transactions. This lack of thorough investigation is concerning, especially given the significant impact on customers like myself. 

I urgently seek your assistance in resolving this dispute with Discover, as I have not received satisfactory answers or support from them so far. It appears that Discover may not have sufficient fraud detection and resolution processes in place, which is severely affecting customers who are victims of fraudulent activities. 

Your prompt attention to this matter would be greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, inconsistent billing, and accounts that do not belong to me. These discrepancies significantly impact my financial security, and I urgently seek your assistance in resolving these issues.

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 2024-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-07-17 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: PA

Complaint narrative:
I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, inconsistent billing, and accounts that do not belong to me. These discrepancies significantly impact my financial security, and I urgently seek your assistance in resolving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
This will be my second complaint against my mortgage company Fay Servicing. When I went to pay my mortgage, I went online and now Fay is claiming I am behind a month. When I have been paying every month timely. 
When I have filed my initial complaint ( complaint # XXXX ) I was then informed they messed up my escrow analysis and now my mortgage will be raised from {$1300.00} and now will be {$1400.00} to cover the shortage due to their error. 
Now my account states I am one month delinquent and have been assessed a late fee charge of {$32.00}. I have attached the statement from their website. I want a third party to do a FULL analysis of my account and I want a detailed listing of where my mortgagee payment has gone and an explanation of why I am all of a sudden short on my mortgage. 
Fay Servicing needs to be shut down they are horrible. The reviews of horrible. The CEO and chairs really need to overhaul this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I had a car loan with XXXX XXXX that ended in XXXXXXXX XXXX XXXXXXXX due to me sending the car back due to financial situations they sold the car out in XXXXXXXX XXXX XXXX which left me a remaining balance of XXXX. Then approximately XXXX XXXXXXXX XXXX XXXXXXXX I noticed on my credit report that there was a balance increase which should not happen I called XXXX XXXX they said they fixed it then approximately a week ago I received another notification that my balance was once again changed on XXXX XXXX to a higher amount and then also they added five late payments to the account as well which there is no late payments on the account. So now my credit is being affected because of this and I want them to take responsibility and just XXXX out my loan because of their mistakes and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
After mailing Experian a dispute letter a few months back I asked them to verify the information that I listed and believed was reporting to my consumer report without the proper verification process. I asked them to provide to me any documents that may verify the validity of the information which includes any signed agreements, contracts, or receipts. In pursuance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), Experian must remove any information that's inaccurate or unverifiable in which them not providing the proper documentation but continue to report this information is a violation. I understand that it is their duty to be in compliance with the laws that they agreed to abide by. How can you report any account without the proper documentation but respond " verified ''? The creditors that's reporting this information never had the consent to call me numerous times about a debt that they never sent me any proof of documentations to me. I have no knowledge of who they or how they obtained my personal information without my consent. I have a right of privacy in which I believe was violated. Also they are reporting multiple personal information inaccuracies which may confuse anyone or institution that I may have dealings with in the future. They are reporting multiple addresses that I currently don't live at. My credit is being negatively impacted by the negative information that's being reported but without proper validation. Violations I believe that was committed by Experian and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1692c - Communication in connection with debt collection

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 2024-07-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX - I received the card and my first payment from the XXXX XXXX. I activated the card. I tried to access the website to access my money and transfer this money to my bank account. After trying to make an account, it leads to a dead link that does not work and has no security ; it seems to be a placeholder link and has not been working for people for months, as people try to work out this problem on online forums. One solution is to create an account on the XXXX app, associated and using the same system as the ComData portal. I tried this, and there is an error regarding the security question. It doesnt work. 

XX/XX/XXXX - The website and the app still does not work. I reached out to the ComData company via a phone call and was supposed to be directed to an agent. I was instead held on hold I dont know for how long, but the phone call lasted XXXX minutes with me talking to an automated text system for about a minute to be put on hold. I tried adding the card to my XXXX account, causing me numerous issues with XXXX. I can not withdraw using XXXX. I emailed customer service wanting either an explanation or a fix to my issues. They have not replied to me despite a week passing. 

XX/XX/XXXX - The website and the app still does not work. After researching the reviews on the app, I learned that many people have been having the same problems as me for weeks, maybe even longer. I decided to withdraw {$40.00} from an ATM to see if it works, and the fee is {$2.00} to withdraw my own money within the network/system. This is the only way to access the money as the card can not be added to XXXX XXXX or XXXX or XXXX. Its impossible to transfer it directly into a bank because the website and portal does not work. 

There is no physical bank to go to in person, calling will result in long holds, and people online are trying different methods to go around the broken website and system, all for naught. 

XX/XX/XXXX - Since I got the card, I have tried every day to make an account to access the funds on my card. Ive tried so often, Ive memorized my card number. The Website still does not work, the app still does not work, and it doesnt seem like they have any plans on fixing it as its been broken for a long time. Customer service is terrible if they even exist for you to talk to.

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 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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