vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Applied with XXXX XXXX XXXXXXXX program to catch up money owed from a forebarance that amounted to XXXX  months of monthly payments. XXXX gave my server Freedom Mortgage XXXX months of payments ( {$1500.00}. x XXXX = {$12000.00}. ) However XXXX only paid for XXXX months and has considered me XXXX months behind for the past XXXX months and has applied late fees without my knowledge for the entire XXXX months. I have paid my monthly mortgage statement on time and I have never been late making my monthly payments. These late fees are unjust and incorrect and XXXX has reported late payments for this entire time ruining my credit. Also, I have been lied to and deceived by XXXX to an unlawful degree. The first XXXX months of 2024 I received monthly statements that all had a different amounts owed. I receive threats of foreclosure every month when I have paid my statement every month and are all dated the day after I pay my bill.

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 2024-08-23 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that i didn't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to send XXXX XXXX on XX/XX/XXXX to my using Amex Send, however, the transaction failed but the funds did not go back to my amex send account. I called XXXX and they said on their system the transaction failed and they never withdrew money from the amex send account. However, Amex is refusing to credit the funds back to my Amex Send Account. So now I am out of almost XXXX XXXX and can't pay my rent this month and I don't know where the money is. I have attached a screenshot showing the funds being withdrawn from my amex send account on that date, and showing it still hasn't been returned yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was assessed a {$27.00} late fee. I did not realize I was late because a trial subscription I had cancelled with XXXX XXXX kept billing for XXXX cycles. I immediately paid my bill. I am a teacher with a low income and also a loyal XXXX year card holder of AMEX including personal and business credit cards along with savings accounts. I got XXXX during the first week of school and neglected checking my accounts for any action items needed to pay. I have never made a late payment in my XXXX year history with AMEX nor in my history with any other card issuer. I contact customer service and kindly asked for a one-time courtesy late fee reversal considering my long history with the bank. A woman on XXXX told me she could not reverse it until after the statement was closed so I called back today, the statement closed yesterday, and XXXX different XXXX representatives said nothing could be done and denied reversal. This is the opposite of what the XXXX rep told me on the phone on Wednesday and goes against the goodwill nature of my 10 year relationship with AMEX. All I am asking for is a XXXX time courtesy late fee removal and it will never happen again on my end. I will also enable autopay on all my accounts as a preventative measure. Thank you in advance for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: NC

Complaint narrative:
NONE of these belong to me or has ever belonged to me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
NONE of these belong to me or has ever belonged to me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used XXXX to transfer XXXX $ on XXXX to XXXX XXXX. XXXX will not help in the matter. The guy is a crook and needs to be arrested for fraud. I should have seen up front but didnt know right away. He uses this email XXXX XXXX and also XXXX. His XXXX details are XXXX I have emailed him for the last 3 days and got no response. I have no other contact info for him. He uses XXXX to post items for sale.

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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Company : PayPal : Problem : Communication made impossible. 
Date : XX/XX/year> I wanted to ask a question about PayPal Credit Card rewards. They have information about this on their website, but what it actually means is not clear to me. I wanted to give several examples of transactions and ask what the reward percentage would be for each example. 

I called the PayPal XXXX Customer Service telephone number on the back of the credit card, XXXX. The call was answered by a computer. It took several minutes of trying before I could get the computer to tell me that it would connect my call to a person. I don't recall the exact words used, but the recorded message indicated that it would be a while, but not too long, before my call would be answered. Then came the tactic to discourage one from waiting : A short musical phrase repeated several times, a message that the call was important to them, and would be answered soon. A pause, then a repeat of the identical music phrases and message. ( A way to encourage one to wait would be pleasant music with an occasional reassuring message ). 

After a few minutes shy of an hour, XXXX came on the line and asked if she could help me. I said that I wanted to get some information about the reward percentages. She said something about " cash account '' and then I heard no more. I said " XXXX? XXXX? hello? '' Then I waited. She never came back on the line. After quite a few minutes, the call was disconnected. I tried the " Chat '' service but it replied that it couldnt answer my question. I searched for an email address for PayPal but could not find one. 

It seems to me that this company should have an easy and reliable way that their customers can communicate with them. 

Perhaps your intercession could get someone from PayPay to communicate with me and answer my questions. 

Thank you.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to the Retail Installment Contract you were assigned and have security interest in, the finance charge is defined within the contract as the dollar amount I owe in connection to the credit for which was applied. The credit applied for was in the amount of {$16000.00}. Section 1026.21 of the Truth In Lending Act ( TlLA ) states When a credit balance in excess of {$1.00} is created in connection with a transaction the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer. 
The credit balance upon the inception of the transaction between you and I was {$16000.00} as indicated in the transaction history you provided. The credit of that amount was not credited to the balance at the inception of the transaction as it should have been. Based on your transaction records I have paid more than I should have in reference to the finance charge, under deceptive pretences. The finance charge is stated as {$4600.00} in the contract. 

I would not go as far as to defame you and claim fraud has occurred on your part in this instance, however it is very evident according to the laws by which this transaction are governed and the contract that we entered into, that full disclosure regarding the nature was not given, and inaccurate and unfair credit billing practices have taken place. As a result of the unfair credit billing practices inaccurate and unfair credit reporting practices have also taken place due to the omission of the true nature of the contract signed. The late payments and inaccurate reporting status of this account to credit reporting agencies places you in violation of many laws under both TILA and FCRA.

I understand that circumstances arise which may be out of our control, however willfully and knowingly engaging in acts which cause detriment to a consumers financial standing and capability, not only directly impair the efficiency of the banking system, but are punishable offenses under TILA and FCRA. I would like offer an opportunity to remedy the inaccurate and unfair credit billing practices in addition to the inaccurate and unfair credit reporting practices which arose due to the willful omission of the nature of the contract that you were assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: UT

Complaint narrative:
We would like to File a Complaint and have provided information to support that Chase is unwilling to resolve the dispute with a company that did not provide the services paid for and forged signatures. 

XXXX {$XXXX} ( XXXX XXXX ) XX/XX/year> -XXXX, XXXX weeks of XXXX  for XXXX XXXX and XXXX  year of XXXX advertisement. 

After Providing Several forms of evidence the Dispute was denied On XX/XX/XXXX after the merchant sent back false claims, photos, and e-signed documents. Based on the the documentation they sent we have attached information to show differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have Synchrony Bank for several of my store cards Lowes, Home Depot, QVC, Sams Club, the one in question here is QVC. The company began trying to force me to accept online ( email only ) statements vs physical ( hard copy ) ones by charging XXXX per statement for not accepting this demand. 
I called XX/XX/year> and was advised I needed to set up an online account with them to opt out of this feature and would be charged the XXXX each statement ( a fee for the physical mailing ). 
I voiced my concerns with this as I do not download any financial apps. related to my banking or credit cards. I requested to opt out of the online emailed statements. 
Most of my store cards, ( most of which I pay off in full each month ) are held by Synchrony Bank, thus, this would be an inordinate amount of fees being charged at XXXX per statement, per store card, per month.

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 2024-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: IN

Complaint narrative:
This company has no information on how a {$650.00} credit card is now in collections for {$1100.00}. I offered a {$700.00} settlement, which the company responded with an almost {$1000.00} counter settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$59.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$39.00}. You can also pay in parts. Call @ XXXX or XXXX : hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reply STOP to stop Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$34.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$64.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop Credence Resource Management , LLC is a Debt Collector. XXXX, offer to resolve your XXXX XXXX account XXXX with a balance of {$99.00} for only {$59.00} if your payment is received in our office by XX/XX/year>. This is a savings of {$39.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
XXXX credit Card was a secure credit card when I closed it balance shows {$75.00} I tried to call and pay but can not get anyone on the phone but it is still on my credit reporting negatively.15 U.S. Code 1681 NCB Management is reporting debt that was illegally sold to them by XXXX XXXX and XXXX XXXX is reporting that I owe more than what NCB Management is trying to collect which is in violation of 15 U.S. Code 1681,15 U.S. Code 1681e.

NCS is reporting I owe debt but Ive never did business with them which is also in violation of 15 U.S. Code 1681e XXXX  is also reporting I owe them but has never done business with them or progressive insurance which is fraud and violation of 15 U.S. Code 1681e

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX  XXXX and XXXX  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 2024-08-23 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Police reports were filed in regards to the situation. The merchant was also contacted several times. They informed me that my bank never reached out in regards to my dispute. Several forms of documentations were provided. After requesting documents or reason for denial the agent simply stated they had none. As nothing was notated on the account. The company has done nothing

Company response to consumer: Closed with explanation