vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We got XXXX American Express Card in XXXX last year. We got charged {$150.00} for membership fee. At the time of the renewal this year they charged {$650.00} to keep the card. I called them on XX/XX/XXXX being surprised by the membership fee jumping to {$650.00}. I told them that if that is fee is {$650.00} I do not want the card. I am willing to pay {$150.00} but not {$650.00} as requested. I paid all what I owe on the card before XX/XX/XXXX. They stated it is {$650.00} fee. I responded that I do not want to have this card. I called them again on XX/XX/XXXX to confirm the cancellation. They stated that I did not ask for the cancellation. I told them that I stated that I do not want the card which is equivalent to cancellation. They argued that I did not say cancel. I have followed up regularly every other week to have them listened to my conversation early XXXX that if I said I do not want it it means cancel it. They did cancel it on XX/XX/XXXX but they insisted on having me pay the {$650.00} fee. Now they started adding penalty fee and intense on my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo refused to credit back to XXXX XXXX from my account that they put into my account after i did an accidental triple transaction through my city. When i contacted Wells Fargo initially on XX/XX/2023, i called them to recall XXXX of the XXXX transactions. At that time, the agent i spoke with told me that it was happening automatically, and i had to do nothing. Also during this time, i was never told of, or made aware of, that two provisional credits that were attached my account, nor was i ever given a Claim number in reference to these recalled transactions. 
When i called Wells Fargo on XX/XX/2023, They denied everything i said, and claimed that i had been given a claim number and even sent it via XXXX mail and in my online Banking message center. I even told them that the local government contacted me directly and reversed two of the transactions, yet Wells Fargo still had the audacity to go into my account and pull the provisional credits i was never told of or had in my account. 

The XXXX XXXX account XXXX, denied everything i said, and blamed it on me, saying that i had started the claims process ; which i never recall happening, since the agent i spoke to on XX/XX/2023 never said there was going to be a claimed opened, that they were just going to reverse the transactions automatically on their end.

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 2023-06-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I made two seperate purchases with XXXX in these purchases I chose to do a trade up program where I purchase devices from XXXX and return an older model for credit. After receiving my merchandise, XXXX sent out trade in kits which are empty boxes where XXXX instructs me to put the phones in the box and ship back to apple for a refund against my original purchase. After thoroughly doing so and shipping back the trade in kits which consisted of XXXX trade ins per purchase for a total of XXXX traded in phones, XXXX honored the trade in of XXXX devices per purchase and canceled XXXX of the other XXXX per purchase for a total of XXXX canceled trade XXXX. XXXX then did not ship me back my device or kept my device. I have been scammed out of my devices and XXXX will not even give me a proper explanation of why. I am due a refund or return of my merchandise. The XXXX transcions in question are as follows : Web order # XXXX web order # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is the second time Comenity bank has taken too long to process a payment that was sent to them with more than sufficient time to be processed before it became overdue. Their representatives all give the same excuses, but no helpfulness. XXXX took over my credit card account from XXXX XXXX XXXX and I have had nothing but trouble since, from setting up automatic payments to having payments processed in a timely fashion. When the exact same problem occurs more than one time that is two times too many. The delay in processing of course generates interest charges in their favor of course. The latest problem is XXXX  XXXX XXXX sending XXXX a check on XX/XX/2023 and it is now XX/XX/2023 and it has not processed. I checked with Bank XXXX XXXX, the XXXX account number on the check was correct, it was sent to the correct address and the amount was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in direct violation of the fair credit reporting act ( account name and number ) 15U.S.C 1681 section 602 A clearly states I have the right to privacy 15 U.S.C 1681 section A also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681 Section A a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serval laws under The fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in direct violation of the fair credit reporting act ( account name and number ) 15U.S.C 1681 section 602 A clearly states I have the right to privacy 15 U.S.C 1681 section A also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681 Section A a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serval laws under The fair credit reporting act

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 2023-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I applied for XXXX - I have worked as an educator for 9 years and made payments during the entire time. Mohela told me that on XXXX of the XXXX payments that were made applied towards XXXX. This is because I attended school during XXXX of the years. I did not take out additional loans or ask XXXX that my loans be placed in deferment during the periods I attended school. I made full on-time payments. I was told that because I filled out a fafsa, ( I was forced to when I enrolled in the schools I attended. ) XXXX automatically placed my loan in deferment. When I received notification that the loan was in deferment - I told them deferment wasn't necessary and that I was paying the loans regardless. They said they would not take them out of deferment because I was in school. I was also working full-time as a teacher at a qualified school during all the periods I was in school. My understanding was that my loans still collected interest while on deferment so there was no benefit to NOT paying. Additionally, mohela took another year because they stated that XXXX reported that I was late in making payments through all of 2017. XXXX shows that I consistently paid them within the same 3 days of the beginning of the month for all of XXXX. The report shows that I made the payments 6 days early for 12 months. I was told regardless of the early payment - the payments fell out of XXXX 's XXXX window and the entire year would not be counted. Additionally, every time I inquired about the possibility of XXXX with XXXX before XXXX, I was told none of my loans would be able to participate in the program and strongly discouraged from applying. 
The purpose of XXXX is loan forgiveness for educators and public service workers who paid on time while working full-time. I did that, even while in school. It is unfair and those time periods should be counted as qualifying payments to the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC
State: SD

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XXXX Dept . of ED/ XXXX XXXX Bank 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total loss paid Personal Name reported XXXXXXXX XXXX-error XXXXXXXX XXXX-error XXXX XXXXXXXX All reports XXXX XXXX XXXX XXXX- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed

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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
The company continues to contact me and try to collect money on a contract that was terminated XXXX years ago. I've sent season to sis letters i've sent validation of debt letters and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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. 

XXXX5 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 non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Capital One Amount : SHard Inquiry Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to any of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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 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. 

The letters are stated with items and issues. 

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 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: SD

Complaint narrative:
Spring Oaks Capital LLC is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
1. XXXX XXXX- XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase checking account. On XX/XX/2023 I used the Chase mobile app to pay my rent using XXXX, as I do every month. 

Today, XX/XX/2023, although the XXXX Payment Activity Money Sent report on the Chase website shows a single payment, and I believe my landlord received only a single payment, my checking account transaction history shows XXXX identical withdrawals for the full rent amount. As a result I am overdrawn and have no access to my money. 

Chase posted about this issue on XXXX ( https : XXXX ) hours ago but has not done anything else to rectify the situation. It is late XXXX  afternoon now and I have no access to my funds and likely will not have any access at least through the weekend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Pay off submitted and the payment was sent back. Resubmitted with a more accurate amount and notice of dishonor, tender instructions and bankers affidavit submitted to the CFO of Caliber home loans. 
They need to accept my payoff for my loan and send me the allodial title ASAP. this is the second attempt to pay off my loan. 
a XXXX will be submitted to the IRS with all documents and copies of payments submitted. Organized crime, public and political corruption, false and altered documents, unreported income, faliure to with hold tax, failure to file return, failure to pay tax, failure to honor, process and credit account # XXXX has caused loss injury and harm. An offer of performance was tendered in good faith and full satisfaction of their claim with the intent of extinguishing any alleged debt, duty, obligation or liability, it is their duty to honor my instruments. they are making false statements about me to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.

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