vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-07-24 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My original loan with XXXX XXXX XXXX Loans was transferred to Specialized Loan Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX ) XXXX. I have proof of every single payment ever made since the loan originated with the first payment due XX/XX/XXXX. I have a copy of the cashed check dated from XX/XX/XXXX and not once was a payment even XXXX day late. I had two loans with them, they applied a payment from one loan to another and then said my payments were late for the remainder of their ownership of the loan until it was transferred again. I spent countless hours on the phone with employees just hanging up on me. I have proof of emails showing the payments made. I went back to the original loan originator to help me resolve the matter, XXXX XXXX XXXX XXXX. They worked with SLS and confirmed their mistake and said they would remove the late payments. They would not acknowledge my credit dispute and I am now resorted to taking this up with a lawyer. As of XX/XX/XXXX, I received this response " I received a response back from XXXX XXXX XXXX ( SLS ). They have reviewed the issue and have removed any negative reporting that XXXX have occurred. It was discovered that you have XXXX loans ( XXXX and XXXX ). The loan number used in the bill pay check matched XXXX, but the address matched XXXX. Also, loan number was written on the check but then crossed out and replaced with XXXX. The loans have since been transferred to new servicers. SLS will work with them to correct any issues. '' This company has ruined my excellent credit history and is literally preventing me from obtaining a loan.

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 2023-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
XX/XX/2023 : I attempted a purchase on XXXX using the XXXX XXXX XXXX XXXX XXXX offering to complete the transaction over four payments. The payment resulted in an Error message. Given that the item, which in this case is a Verified Resale ticket, reappeared on the stadium concert map, I believed the purchase was not issued and that I should reattempt my order. I made several more attempts using the XXXX feature on the XXXX site, and received Error messages each time. I ultimately gave-up on the seat, chose another, and used a credit card to pay up-front in full, i.e., not using XXXX to secure the purchase. This attempt allowed me to purchase a ticket and I received one confirmation email. 

I then noticed several pending transactions on my credit statement from XXXX. I immediately reached out to customer support given I used credit for my successful transaction. The XXXX representative reassured me the pending credits would disappear after the merchant ( XXXX ) refunded or canceled the charge. This initial charge amounted to {$190.00}, roughly a quarter of the total {$790.00} XXXX purchase. 

XX/XX/2023 : After waiting for the pending charges to clear, my credit statement revealed the XXXX payment had not been removed and additional charges would soon be on the way. After calling XXXX again, I was told the issue must be taken up with the merchant, XXXX. 

After waiting over 3 hours for a XXXX representative to reply to my complaint via Web Chat, I was told that the purchase had indeed gone through and I was the holder now of two tickets ( didnt matter they werent remotely close to one another ). I was told that XXXX was in fact not the primary seller, and that their Verified Reseller program is simply a marketplace. I was referred to a lengthy and convoluted policy of nearly XXXX words at XXXX  : XXXX? language=en_US. A representative suggested I might receive additional outreach from Customer Support within 3 5 days while they examine the case and consider a refunding option. However, it is extremely unclear the mode of contact and whether I will be contacted at all. I am urging the CFPB to investigate this and similar matters with ticketing platforms that cloak as a marketplace in order to skirt accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XXXX of 2023 I made a purchase on XXXX using my Capital One card through a third party - XXXX in the amount of {$270.00}. In XXXX if 2023 I returned multiple items from that order to the store. The return amount totaled {$110.00}. On XX/XX/XXXX I received a partial refund of {$31.00}, then another partial refund on XX/XX/XXXX of {$41.00}. I contacted XXXX customer service through chat and phone calls numerous times During the months of XXXX and XXXX to inquire about the remaining refund amount of {$42.00}. I was repeatedly told that it was processing and the time frame varied from agent to agent. Some agents told me 5 days, others 10, and yet others 30. I tried to file a dispute through XXXX but they refused to investigate. I filed a dispute through capital one. Capital one temporarily credited back the full amount of the purchase while they investigated. On XX/XX/XXXX capitaone stated they resolved the dispute and found that upon their investigation the charges were correct and charged my account the full {$270.00}, taking the partial refund issued to me by XXXX. On XX/XX/XXXX I sent a letter to capital one with documentation showing the refund owed to which they replied the next day that I did not provide documentation. Capital one did not investigate the dispute and took the original refund issued to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I already sent a complaint on XX/XX/23, but the response I got was not right. The university that was stated in the response was wrong. The correct school is XXXX XXXX XXXX not XXXX XXXX. I stated I received a letter that explained how I was ineligible for the loan and there is no record of it at XXXX XXXX XXXX. I never received a single XXXX. Also, I had to have a co-sign when I tried applying for this loan. Somehow none of this is on the co-signers record? How is that possible? Please take me off this loan, I NEVER RECEIVED IT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: MN

Complaint narrative:
This is for past due rent. 
Around a year ago, I had raised questions about why I owed XXXX $ ( there or about ) when the original amount was XXXX $ ( there or about ). 
When questioned they sent me a receipt of any damages, past due rent etc, which also included a pick up collection fee of XXXX $ ( there or about ). I found the CFPB website, and upon contacting Rentdebt automated solutions on XX/XX/2023, I was told the agent could not help me since I lived in Minnesota. So I attempted again XX/XX/2023, and when I questioned the representative about the CFPB website, I was informed that I should not be googling things, like how a when you go to doctor and you start googling things about what the doctor said. I had informed her, this was an official government website, I was informed the website was wrong Since we are collection agency we can charge a pick up collection fee, since it is for rent/property. 
I havent signed anything stating, a fee could be added/interest could be added. The representative told me the only 2 solutions are make a settlement amount, and or pay monthly/bi weekly/weekly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to 15 u.s code section 1681n I have experienced willful noncompliance with these consumer reporting agencies. They have failed to respond within 30 days mail, To start an investigation on my dispute for inaccurate and false information on my credit report which I sent on XXXX in XXXX mail it is now XXXX XXXX. I am seeking to sue for damages of {$1000.00} for each violation. This has caused me an extreme amount of distress and defamation of my character. I also demand the items I have disputed be deleted immediately.

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 2023-07-24 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: FL

Complaint narrative:
On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My XXXX and Experian are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.

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 2023-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC
State: LA

Complaint narrative:
I have an account from balance credit that I guess was bought by a debt collector- capital link management address XXXX XXXX XXXX XXXX XXXX XXXX. They have harassed me, spoke to me via email very rude, disrespectfully, and called me basically a liar about a date that I mailed a check. I have all email communications they have sent me for reference. Also they told me multiple times that as long as the settlement check was received by end of XXXX it would be acceptable as settlement. Now they are saying since it wasnt received in now they will not take it, they keep going back and fourth. And soooo rude to me. They have caused me so much XXXX, stress and no one should be treated this way. I want to get a lawyer and sue them for approaching me this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 2023-07-24 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express ( AMEX ) XXXX XXXX has placed a corporate business debt onto my personal credit report as of XX/XX/XXXX and my credit report has plummeted over XXXX points. In XXXX, AMEX closed my platinum, XXXX, and XXXX card after I paid off the previous two. Additionally that year, they stripped my online access to pay my XXXX card online. After several failed attempts over the phone of them walking me through a website that clearly did not allow me to pay my credit card bill they offered to enter me into a payment relief program that was automatically drafted from my accounts each month. 

I was aware that this was a scam used meaning they really wanted me to provide automatic payments via one of my checking accounts and not allow me to pay online as is my preference and how my business pays all of our bills. In the Spring of XXXX, my business hit another pitfall with clients terminating their contracts and leases early. Therefore, I was unable to make my obligation of paying my bills but explained to AMEX that if they allowed me online access that once money came in I could pay them, however they insisted that I give them an online account from which they could withdraw monies from. We were at a stand still. 

As of today, XX/XX/XXXX another AMEX employee just hung up on me after gaining all of my new information for work address, email, phone, personal address, SSN, and date of birth. He has yet to return my call to discuss removing this business information from my personal credit account and adding to my business account. He informed me because it was a small business account that they could do it, meaning place business debt onto my personal credit report. I explained that it is a violation of my personal credit as outlined by the consumer financial protection board and is considered incorrect, fraudulent accounting. That's when the phone hung up. I'm even unsure if my conversation was valid with an actual employee, when I was transferred 4 times within a 3 minute timeframe with AMEX. Likewise, upon my first two calls with reps at AMEX, no one could even find a debt because it is not in my name but established with my business. 

All of this could be resolved and the debt can be paid if AMEX would allow online payment of account, but somehow they believe removing access to systematic payments to be punishment for going through business slumps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX, {$23000.00} TAKEN OUT FROM MY WELLS FARGO CHECKING ACCOUNT WITHOUT MY CONSENT AND REFUSED TO PUT IT BACK IN MY ACCOUNT.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I responded to an AMEX platinum card offer. The promise was XXXX reward points if I spent {$6000.00} within 6 months. I met the criteria but was only awarded XXXX points. I reached out to customer service XXXX weeks ago to advise them that their conduct was against CA XXXX and reached out again last week to their Chairman, but have received no response I suspect I am not the only victim here I have all of the supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NY

Complaint narrative:
On Monday, XX/XX/XXXX, I had two false XXXX charges on my Chase bank account after losing my phone and wallet. I called Wednesday, XXXX XXXX to submit a claim. I was told there would be reversal of charges and an investigation. I did not recieve either. My claim closed within 3 days, and I never recieved any temporary reversal of charges while the " investigation '' was ongoing. 

They told me to get in contact with XXXX, which I did, and they could not help me either with a refund and told me to contact my bank. A Chase representative told me on Friday, XX/XX/XXXX, that my claim was actually in progress and I should recieve a reversal on XX/XX/XXXX. 

However, today, on XX/XX/XXXX, i had not recieved anything, so I reached back out and was told my claim was closed after just 3 days. I don't believe the claim was investigated properly, with the ticket quantity being looked into and such. i was told because I used XXXX before, that it couldn't be fraud, which did not seem feasible to assume.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Collection management 
XXXX owed 

Never received written information, 
This is identity theft 
Sent to validate debt , cant get ahold of anyone 


Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
My good friend for more than 10 years of friendship stole my personal information to rent a house with utilities included to other people. She is a XXXX XXXX XXXX  but she wanted to get extra money so I discovered that she use my information to rent to other people that have no credit history or bad credit and no legal documents. They were willing to pay extra money since they had the money but not the documents needed to rent a luxury apartment. This person use my information and others people information around her to do this type of frauds. I went to the police, reported the fraud and I also call XXXX XXXX and XXXX XXXX I sent them all the proof that I didnt use those services during that time. I also went to the apartment under my name and they stated that I wasnt the same person that use to live in their apartment but everything was under my name. I was on the process to buy my first house and i was ready to qualified but now I have to extend those plans because my credit is not good. I have all the proof this was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.

Company response to consumer: Closed with explanation