vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Multiple letters have been sent to the credit bureau regarding inaccurate information reported on my credit. Due to their lack of response, my score has been negatively impacted. I have requested for the information to be validated and it has not been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Greetings, i apply for a loan on XXXX with pay later with affirm for a video card that later was returned and never fully refunded by the merchant. 

Purchase price {$2200.00} Interest ( 18.19 % APR ) Loan ID XXXX  6-Month Installment Loan On XXXX  the loan Was paid fully even if there was a dispute bc of a refund that wasn't fully refunded. I dispute the charge as i wasn't fully refunded by XXXX and i ask Affirm to investigate. They told me after 2 weeks they couldn't do anything so i made the final payment on XX/XX/XXXX. 

On XXXX i was refunded somehow so i called and made a second payment bc affirm claimed that the payment of XX/XX/XXXX was refunded back so to avoid late payment i made another payment of XXXX for the second time on XXXX XXXXThe loan was paid off for the second time. 

On XXXX i was notified that my loan was charge off bc they never receive the payment of XXXX in XXXX i paid twice. Somehow affirm refunded both payment and no explanation was giving on why those payment were refunded twice. 

I paid again for the XXXX time in XXXX but they already reported as 90 day late. 

I try to reason with affirm telling them that i made those payment and that affirm refunded me for no reason and never sending any notification on those refunds. 

I made those payment in time on XXXX, XXXX and XXXX so the report of 90 days late payment are false and i asking for the late payment to be removed from my credit since the mistake was made by affirm which refunded me the payment twice without notify me. 

I'm adding email from affirm confirming the payment of the loan and bank statements were the loan was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My friend, XXXX XXXX XXXX, passed away on XX/XX/year>. I was listed as beneficiary on his two Chase accounts, # XXXX and XXXX. An original death certificate was presented to the Chase Bank branch in XXXX XXXX, MI on XX/XX/year> and they were directed to close the account and forward in excess of {$330000.00} to me the confirmed beneficiary. I was told by the branch manager that there would be a 10 day hold placed on the account and then a check would be mail out to me. One month later, no check was received and I went into my local Chase branch on XXXX XXXX in XXXX, NV XXXX. I was told by the branch manager that some paperwork needed to be completed, which I did on the spot, and was told a check would go right out. Three weeks later and still no check, I went back to the branch and they told me a check was mailed 2 weeks prior, which I still did not receive. They tracked the check and informed me that it was XXXX to an undeliverable address. They told me that XXXX was holding the envelope for me at their warehouse and I drove in excess of 1 hour to collect it. The envelope was not there and was returned to the XXXX main warehouse. Even though Chase confirmed that it was not delivered, they insisted that I sign an affidavit that I had it received it. There was confusion about who was responsible to cancel the check and reissue its replacement. After going through several departments, the bank manager still had no idea when a new check would be isssued and recommended that I go through the account escalation department. 2 weeks later and having been bounced around between 3 account escalation managers, I was told again that they needed a form filled out, but no one knew which form. Ultimately the manager said it was rage affidavit that I already filled out, but this time they needed a Notarized one. Since they didnt have a Notary available until the following week, I picked up the form and had it notarized across the street at XXXX XXXX and immediately returned it. One week later and still no word on my money from Chase. They have had use of my money for almost 3 months and I believe that they need to pay me interest from their refusal to remit my funds. I have already closed my JP Morgan brokerage as as result of their incompetence, and perhaps their deliberate refusal to remit the funds they are currently charging others to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, there was an unauthorized transaction made through my Chase XXXX account. An unidentifiable party accessed my phone, added themselves as a new contact on my XXXX, and sent themselves {$720.00}. I did not immediately report this the day of as I didnt know that this had even occurred. Two days later, when checking my statement, I saw the transaction and immediately reported it to Chase. 

The Chase Fraud team was initially receptive to my claim, issuing me a credit and closing my bank account for enhanced security. Following their directions, I physically went to my nearest Chase branch and opened a new bank account. 

Today, on XX/XX/XXXX, I received a letter stating that Chase found no wrongdoing with my account and is thus reversing my credit. When I called Chase XXXX again, they refused to re-open my claim and told me to stop calling them if I can not provide proof of the fraud. When I explained to them that there is no possible way to prove what has occurred ( a stranger accessing my phone while my phone was not in my vicinity ), they place me on hold and hang up. Ive called them three times today, and this has occurred each time.

Im reaching out because I have serious doubts that Chase conducted this investigation to protect me, the consumer. For example, one of the fraud agents today informed me that part of the reason my claim was denied because I have a history of using XXXX. I do indeed have a history of using XXXX  but all of my XXXX transactions are authorized and made to my contacts. One look at any of my statements will show the same, familiar names I send payments too. The difference is that these are payments authorized by me and thus are no problem. 

What I have never done, as Chase could have seen, is add a new contact ( that is not even in my phone ) and instantly send them {$720.00}. Ive never sent any money to someone named XXXX, and I have NEVER sent money to a newly added contact with that high of an amount. This should have been flagged as-is, but it was not. 

Therefore, I am reaching out in order to recover my {$720.00}. This is my hard earned money that I make from working a part-time job. Ive banked for over 5 years with Chase and had absolutely no issues, but I have fraud occur to me this one time and I am now being treated with suspicion and contempt from Chases team. Again, I affirm that I did NOT authorize this transaction. Chase is asking for proof in bad faith, as they are aware that I can not provide physical proof due to the nature of the fraud that occurred. I would greatly appreciate it if a solution could be found here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect consumers ' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
I am writing to file a complaint against United Auto Credit for committing fraud through the securitization of loans, false representation, bad credit reporting, and unfair debt collection practices. 

Despite having fully paid off my car loan, United Auto Credit, a third-party company, has refused to release the title to my vehicle. They profit excessively from the securitization of loans, inflating their earnings up to 100 times the loan 's value through hidden fees and charges. This fraudulent practice has trapped me in a financial bind, denying me full ownership of my car. 

Additionally, United Auto Credit has misrepresented loan terms and conditions, leading to confusion and financial hardship. They have also reported inaccurate information to credit bureaus, adversely affecting my credit score and financial standing.

Furthermore, United Auto Credit engages in unfair debt collection practices. They have made non-stop calls to my phone, contacted others around me, and issued threats of repossession, causing distress and embarrassment. 

I urge the FTC to investigate United Auto Credit for these deceptive practices and take appropriate action to protect consumers from such fraudulent activities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax had a data breach and I was affected. They have come to a settlement and I am choosing to not take their settlement and take the second step in informing them of the next steps I am taking. I have a Notice of demand that protects my name and my information which is bigger than the XXXX XXXX I will attach a portion of it to this complaint. I will also attach showing that my information was breached by them and that they are paying the settlement of {$420.00} XXXX. 
I have the right to my privacy and this company has breached the agreement in protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I ordered what I thought were authentic XXXX XXXX XXXXs from XXXX, and received counterfeit shoes. I sent Barclays everything I had, which includes the conversation I had with the seller. I faxed the information twice, and spoke to three representatives over a 2 week period. These documents include the vendor offering a XXXXXXXX XXXX refund for their XXXX XXXX 

They closed my case and told me they had no evidence of fraud. I still have the messages from the vendor. Barclays is a terrible company, and this is the second time I have had to report them to get them to do their job. I would close my credit card if it wouldnt hurt my credit score.

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 2024-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've talked to Experian several times and they and they refuse to change the status of my credit reporting dealing with how it is reporting I sent the forbearance letter and all the deferment paperwork to show the correction to my account that was given by the department of education even after all the documents they refuse to change the status to positive if no payment is due right now how can I be late so why is it showing negativity

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 2024-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Amazon store card was in excellent standing, i started it in XX/XX/year> at {$300.00} limit... I was increased to {$500.00} limit and never was late on my payment... Everytime I made a payment it took minimum of 5 days to post i did nothing wrong and was building my credit to have them take it from me and diminish my score not fair and not acceptable i wish to seek legal action if it's something i can pursue... They also said i had a rejected payment and the same day it was rejected it was also accepted ( enclosed is a screenshot ) that is their reason for canceling my account.. i don't understand why they can do that they really screwed me up

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 2024-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I left an XXXX because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I paid for for a month we were not there and told, in person that we were moving from XXXX XXXX in XXXX XXXX because we were not safe. After 11 months I see a ding on my credit report, I never received a notification from the XXXX or Allied collection, I paid it the next day, problem is I have to move by the end of the month and not one will rent to me because of the infro on the report. Please help, XXXX 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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 informationisinaccurate.

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 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/year> I bought gas from a gas station named XXXX XXXX XXXX XXXX Oklahoma. On XX/XX/year> I saw that someone had used my account to buy gas at a XXXX in XXXX Oklahoma, two transactions totaling {$280.00} on XX/XX/year>. I contacted my bank to dispute the transactions and freeze my current card as well as have a new one sent to me, i explained that I have never been to this XXXX location and Ive never spent this amount of money in gas and I think a card skimmer was used. I was told that the investigation for the dispute would take a minimum of 10 days and if the bank had not made a decision I would receive a provisional credit for the amount I was disputing. On XX/XX/year> I received the provisional credit and then on XX/XX/year> I received an email stating the disputes had been denied and the provisional credit would be taken back out of my account on XX/XX/year>. I replied on XX/XX/year> and asked for the investigation to be reopened, on XX/XX/year> I received an email stating that the investigation would be reopened but I needed to provide new information that was not previously provided otherwise the investigation would remain closed and that SoFi is unable to advise what is needed in order to appeal the claim. I did not know what to send so I called and spoke with a representative and explained my situation and they said they would put in a note. I had not received any updates by XX/XX/year> and I had spoke to multiple representatives who told me that my appeal was open and that I would hear back within 10 business days and then when I called after 15 days I was told to just wait for an email. I finally replied to the email from XX/XX/year> to find out that my appeal had been closed and the investigation was not open so what I had been told by those representatives was not true. I would also like to note that the provisional credit that was taken out of my account put my account into the negative and the money in my savings was taken to cover the negative balance however it wasnt enough so my account was still in the negative. On XX/XX/year> I finally got the investigation reopened and I spoke with a representative named XXXX who I sent screenshots of all my transactions that I thought would be helpful. I sent photos of the transactions I was disputing as well as photos of all my previous XXXX transactions showing that I always go to the same XXXX and that I always spend less than {$100.00}. On XX/XX/year> I received an email stating that the appeal was denied and the investigation was officially closed and that I could request a copy of the documents SoFi used in determining the finial outcome of the investigation. I just want my money back and I dont know what to do. I have attached the emails I received from SoFi as well as the photos I sent to SoFi as part of the investigation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit. I want these 4 erroneo
usly reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit.

I want these 4 erroneously reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation

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 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I tried to make a purchase at my local grocery store, XXXX, and the card was declined. I tried to call Discover card to find out why and I could not contact them. They said to go online. I went online messaging, and it said my account was closed because of fraud. I did not report any fraud ; I have no idea why my account was closed. Discover won't tell me. There is no information online. I messaged them and they won't tell me. They tell me to call a number which does not work. I am in XXXX. They closed my account and I have no way of paying for anything. They won't send me a new card, they won't explain what or why they did this. They sent a letter to my US address which I am not there. They will not give me any information. I will have to contact the state department and the US embassy in XXXX for financial help because of what they did and they won't tell me why. I did not report any fraud, so I don't know why they did this. I am now stranded in XXXX without a credit card. They told me I have to apply for a new account. I have had this account since 1986, when there was anything suspicious in the past, the card was closed and a new one issued, not shut down the account completely without issuing a new one and without warning.

Company response to consumer: Closed with explanation