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

Complaint narrative:
In accordance with the fair credit reporting act : XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-04 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: Park Hill Holdings
State: TX

Complaint narrative:
In accordance with the fair credit reporting act : XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-04 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with 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 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a Class Action Settlement check at a Chase Bank ATM check deposit on XX/XX/2022 at the ATM at the Chase Bank branch on XXXX XXXX in XXXX XXXX, California. The check was for {$5400.00}, made payable to XXXX XXXX. 
XXXX XXXX XXXX XXXX BENEFITS TRUST. Chase Bank will not return or release the check to me, XXXX XXXX. Chase Bank closed my checking account on XX/XX/2022

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

Complaint narrative:
In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX since then and before then I haven't missed one payment I would like the late payment be removed on both accounts.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022 I tried to apply for a loan with Affirm for a purchase of less than {$250.00} and it keeps on getting denied because according to Affirm, they can not verify my identity. I have called them multiple times to let them know I proceeded to remove a credit freeze I had placed on XXXX, XXXX and XXXX XXXX, to help them verify my identity, and they are still giving the lame excuse of " not being able to identity me. '' I count with a good credit score on all credit bureaus, the freezes have been removed so they can identify me, PLUS, I have sent them a copy of my driver 's license and a picture holding my license next to my face TWICE, and they are still not able to identify me. 
I spoke to a supervisor by the name of XXXX on XX/XX/2022, and I asked him to let me know exactly what is it that they need to identify my identity, and he said they do not need anything because they verified me already and to just give it 24 hours to reaply for the purchase loan. 
According to what I was told by the credit bureaus, freeze lifts go into effect immediately. I still went ahead and waited the 24 hours this supervisor by the name of XXXX, had adviced me to wait before reaplying. So, 24 hours later, I applied again for the this loan, and I keep on getting denied because my identity can not be verified. 
Affirm 's customer service is deplorable. Noone takes accountability for any situation. Every time I call, nothing gets resolved and eventhough I have done every single thing there is to do to verify my identity, they keep on giving me the same lame excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW 554.134, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One advertises the fact that cards are instantly available upon approval. Seeing this, and given the fact that I had been an existing Capital One customer, I applied for a new XXXX credit card. However, the card was not instantly available. I had relied on this advertisement because I needed a card to pay rent. Capital One advised that it would take two weeks for the new card to arrive in the mail. As a result of Capital One 's failure to honour its advertisement of instant card availability, I have now incurred significant late fees in paying my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I sold my home in XXXX of 2022 and am owed {$5100.00} in an escrow refund from NewRez mortgage company and they have not payed me the refund despite dozens of calls and emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04 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: FL

Complaint narrative:
I have attached and FTC report with 4 accounts and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial Holding Company, LLC
State: AZ

Complaint narrative:
The buyers of our home applied with Nova Home Loans and were approved for $ XXXX with low down payment. We entered into contract with them on XX/XX/2022, closing on XX/XX/2022. On Saturday, XX/XX/XXXX, we had to sign an extension as Nova had " trouble with their loan and their debt-to-income ratio '', nothing had been mentioned in the days leading up to this, as the loan process was " on schedule '' according to the documents we received from the agent. On XX/XX/XXXX early in the day, we were told the loan was " on hold '' due to the debt-to-income ratio of the borrowers, and they are trying another company which assured approval in a short time. On XX/XX/2022 at XXXX pm we received a letter of withdrawal from Nova Home Loans for the above mentioned debt to income issue that the borrowers had, but was only brought to light that morning. The CD should have been submitted to the parties 48 hours prior to the letter of withdrawal. Rules are rules. I attempted to speak with the Originating Loan officer three times during the process, and he only returned my call, on Friday, XX/XX/XXXX, after they withdrew. This process was abhorrent, as the buyers were ready to move in, their lease had been cancelled and we had moved out of the residence to facilitate their move-in. I believe XXXX XXXX had made egregious errors in giving them the " preapproval letter '' and ultimately denying their loan 60+ days post issuance of the preapproval. 

I am attaching the chain of emails from XXXX XXXX to the buyers and both agents during the process to show there was NO MENTION OF THIS ISSUE, ever.

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 2022-06-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed a charge from my checking account for {$110.00} on XX/XX/2022 that had a memo business registration. While I did start an LLC through the city government page, I did not remember a charge for {$110.00}. Upon further investigation, this charge was unauthorized and was supposedly for an EIN number for the business. EIN numbers are a free service provided by the government, however I did not need any in number and did not apply for one as I am a sole business owner with no employees. I looked into this charge and this company is fraudulent. They provided a fake EIN number to Chase to show them that they provided a service. However there is no EIN number and it clearly shows that on the Florida small business website. They provided a fake document to Chase and Chase never bothered researching it. I have disputed this through Chase, however they denied it and took the money back. I have since called back and tried to reopen the claim, but they refuse. They have allowed someone to take {$110.00} from my account without authorization. They claim that because they have my name and the name of the business, that I would have had to fill it out. All of this information is public on the Florida small business website. It is obviously easy for them to see when people start a new business and pull that information off. If you go to sunbiz.org, click on search records, and look for either my name, XXXX XXXX, or business name XXXX at XXXX 's, you will clearly see there is no EIN number attached to this business. The business you will look under is the one that is active. There is an inactive business in this site from years ago. The current one will show you EIN number does not exist. This company charged my account without my permission or knowledge and did not supply a legitimate EIN number nor was one needed or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Patient XXXX XXXX Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX My appointment was for XXXX XXXX  XXXX. After four hours and being charged over four thousand dollars I was told to come back when crowns arrive in two or three weeks. XXXX XXXX was the next appointment date. 
XXXX XXXX after XXXX I was emailed by XXXX  XXXX  to reschedule appointment due to XXXX  not arriving in time. I already was scheduled off work. 
XX/XX/2022 I came into XXXX  XXXX  to have XXXX  placed on and temporary XXXX  taken off. After the dental assistant removed them XXXX XXXX XXXX XXXX said one tooth was cracked and needs to be extracted. I said so you all cracked my tooth, he immediately took defense when I said check your X-rays, there was no cracked tooth before XXXX  XXXX. Nothing was done I was told to speak with office manager and at that time I was walked to front office to speak with office manager, she prepared a print out of the refund for {$1900.00}. She said I will need to go to a different location to have tooth pulled, and balance from tooth extraction will reflect on refund to care credit card. She said I will need dental implant costing XXXX or XXXX XXXX dollars. XX/XX/2022 she booked appointment for me to have tooth pulled at XXXX location. I did not have my tooth pulled, not at my expense. 
XX/XX/2022 I came back into sage dental to have XXXX XXXX put on the successful XXXX  XXXX tooth. Nothing was updated on my account for refund. 
Two weeks after that I contacted XXXX XXXX and I was told by front desk staff I will not receive refund if I do not get tooth pulled by XXXX XXXX. They can not force me to receive services from them. Another two weeks went by and the front desk staff told me that corporate will give me back {$800.00}. I refused that offer because Im owed {$1900.00}. Another two weeks went by and front desk staff told me corporate will give me back half. I refused that offer because Im owed {$1900.00}. I started taking legal action, reporting sage dental to XXXX  XXXX XXXX XXXX. 
XX/XX/2022 I was emailed saying corporate approved full refund for {$1900.00} if I sign release waiver. I refused offer to sign and release waivers because Im owed {$1900.00} period, due to their negligence for faulty failed root canal they owe me to have tooth pulled, they owe me for dental implant and all further dental expenses. XX/XX/2022 front desk staff called to tell me corporate decided to pay {$800.00} unless I signed waiver.

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 2022-06-04 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart and XXXX XXXX have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent UPSTART, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. UPSTART remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports. 

Furthermore, I received a collection letter from XXXX XXXX, demanding that I send in a payment for a past due amount. I do not have a contract with XXXX XXXX. 

UPSTART and XXXX XXXX have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions..

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

Complaint narrative:
Last month, I contacted the TransUnion Credit bureau via telephone regarding inaccuracy and inaccurate information pertaining to XXXX XXXX XXXX Account XXXX XXXX, on my Transunion credit report for the months of XXXX, XXXX, and XX/XX/XXXX. TransUnion, representative informed me that all the information is accurate and has been verified and validated. 
How can the account be verified and validated when XXXX, XXXX, and now XXXX Transunion credit report still reflects missing payment dates, missing payments amounts, highest account balance for every month for the years of XXXX, XXXX, XXXX, and the months of XXXX and XX/XX/XXXX, is missing data. In accordance with CFPB... Transunion has and continues to violate the following codes pertaining to me as the consumer 15 USC, 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-06-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and 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 2022-06-04 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: TX

Complaint narrative:
In XXXX of XX/XX/2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXX/XX/XXXXXX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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

Complaint narrative:
In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXX XX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached

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