vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: PA

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I opened an account with DraftKings using the XXXX direct connection to my checking account. They told XXXX the money was there and XXXX put {$25.00} in my account. Within a week they reported me to Credit bureau-TRS Recovery Services Innc.. Even though, every time I logged into XXXX, on a daily basis after opening the account, I received an email from XXXX to tell me there was a log in, they never told me the money didnt go through. I have used direct connections to my bank account to transfer money many times with no issues. The account has plenty of money and was in no risk of lack of funds. I don't mind paying the {$25.00} that I originally committed to. I will not pay a fee that was added when the debt was sold to XXXX within days of their issues. This is a predatory practice that needs to be stopped. The issue is between XXXX and XXXX. Thank you for looking into this. I will not pay a fee, please negotiate a way for me to only pay the original {$25.00}. 

There are lawsuits on this in Indiana https : 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 2023-06-26 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: TX

Complaint narrative:
Equifax is reporting an account that I paid off XXXX percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all XXXX bureaus are incorrect and inconsistent with one another? The company has been unable to verify this account when I contact them. They also failed to provide any proof of a XXXX form on this so called charged off account. If this account is not removed from my credit report, I will be filing a statement of claim against your company. The letter I sent your company disputing the inaccurate information is attached which is dated and time stamped. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TriPoint Lending, LLC
State: NY

Complaint narrative:
XXXX of XXXX I was contacted by Alleviate Financial solutions with an offer to help negotiate and consolidate my credit card debts. I was told the company would send out proposal letters to my credit card companies to settle the debts for less and get them paid off, while debiting my bank account a monthly amount that will be paid towards my cards until all debts were paid off in a 12 months period. I was also told my credit score would dip but then go back up with reflection of good faith on all account that were put into the program, I agreed, of course it was about 2 hours long conversation trying to understand how this works. 

What i was NEVER told about during the conversation, was fees i will be charged monthly just to have XXXX  debit my account and fees from Alleviate just for talking to me on the phone. I was NEVER told that my credit cards account to be behind on payments. The gentleman on the phone stated everything we spoke about is what will be in the contact and so I signed. 
It was agreed that i would pay XXXX every month. Starting around XX/XX/XXXX the deductions started. About 3 months when by and I was still paying my cards on my own. I finally decided to contact the creditors, only to find out Alleviate never submitted a proposal. I wait again only because I thought maybe this is how it works, it takes time and an accumulation of the money before it goes out. Then I called them about XX/XX/XXXX to see what was happening. Then it was explained to me by an individual ( XXXX ) that my accounts aren't supposed to be current, and he is sorry that wasn't explained to me. It was then agreed I would get a refund and close out my account with Alleviate and XXXX and by the following week which would be XX/XX/XXXX I would get a confirmation letter of closure and a check would be mailed out to me. 

Check came in the mail by XX/XX/XXXX for $ XXXX what am i missing. Lets do the math. 
5 months of paying {$270.00} = {$1300.00}, a difference of {$420.00}. I called, and was told about monthly fees of {$9.00}, then a startup fee of another $ XXXX, then legal fees of {$250.00}, plus another {$39.00} for something else. Wait legal fees, are they an attorney base program? I asked to speak with a manager. 
I waited for a manager to get on the phone with me for an hour and was told all mangers were busy and they will call me back. 
Today is XX/XX/XXXX. I was given a XXXX number as the number calling me back. The gentleman I spoke with today was XXXX and I called XXXX. 
What scams to get peoples hard errand money? All I was looking for was honest help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I got a loan through affirm.com for XXXX of the merchants they offer. I never received my product, I opened a XXXX investigation with XXXX and the merchant had them close the investigation. I have been contacting the merchant for over a month, submitted the PDF copy of the Police Report they requested and am being ignored. My messages to the representative I was in contact with show read recipient, when I call the phone number I get forwarded. The item was supposed to be delivered on a Monday, XXXX signature required, and I received a delivery email on a Saturday when nobody was home. Merchant claims packages are insured, but Ive yet to see a claim number or any requests from the insurance company. Merchant has officially stopped responding, but reads my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The inquires in question must be investigated and deleted immediately. I would like this in accurate information investigated and removed from my credit profile immediately The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following should be deleted from Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-26 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX stay was booked through XXXX XX/XX/XXXX I cancelled the reservation the same day via XXXX XX/XX/XXXX XXXX XXXX XXXX charged my card XX/XX/XXXX via XXXX. I explained the cancellation, asked for a refund to which they responded by blocking myself and family via XXXX, the only way to contact them since they are international. 
XX/XX/XXXX I contacted XXXX to step in. XXXX XXXX XXXX would not respond to XXXX I filed a dispute with Chime XX/XX/XXXX submitting screenshots showing the cancellation was well beyond the 14 day time frame. 
XX/XX/XXXX chime denied my initial claim and stated I could rebuttal the decision. 
XX/XX/XXXX I requested documentation and a denial letter from chime. I submitted new evidence, including my cancellation confirmation. 
XXXX chime denied my claim again. I asked for a denial letter XXXX requesting the documentation provided and a reason for denial. 
I followed up XX/XX/XXXX on my initial request for a denial letter from XX/XX/XXXX. No response from chime. 
XX/XX/XXXX I receive my denial letter from chime which is just a written statement stating that I booked the wrong dates and it was within their cancellation policy. My showing that I cancelled within the timeframe of their policy, and how I explained that I cancelled because I booked the wrong dates was not included. 
The denial letter chime sent XX/XX/XXXX DID NOT meet Regulation E requirements, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am on Social Security and was paying my property taxes monthly. The total amt was approx {$630.00}. I was paying monthly and was down to approx {$490.00} when Chase decided they would pay the balance but instead paid the full amount. They then put the XXXX into escrow and was charging me monthly on that amount. Chase never bothered to verify the amount due with the XXXX XXXX XXXX before paying the full amount shown on my yearly taxes. Spoke to manager who agreed correct amt was {$490.00} and would send request to tax commission for repayment of overpayment. Never happened. Then Chase decided to charge me over $ XXXX in ANTICIPATION of my not paying by 2023 taxes which I haven't even received yet. Chase has no right to charge me for what they THINK I may not be able to pay in the future. I was willing to pay the approx {$41.00} in escrow on my tax balance of {$490.00} but they never corrected the amount. Chase then informed me they don't have to verify the tax balnce, just pay what they see. This is definitely unacceptable and so is the {$78.00} in anticipation of what may be due in the future. I want Chase to be fined for the backhandedness in charging me for an invalid amount and for charging me more than due on my balance of property taxes. Please Help resolve this matter ASAP. How many others are enduring this same issue? An investigation needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: PA

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 non-monetary relief
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Disputed Account with XXXX XXXX XXXX Dear Experian Consumer Relations, I am writing to address a concerning matter regarding a disputed account associated with XXXX XXXX XXXX on my credit report. XXXX and XXXX have already investigated this account and promptly removed it from my credit file. I kindly request that Experian follows suit and removes the account from my credit report as well. 

The continued presence of this reported information on my Experian credit report has resulted in significant difficulties. I have been denied credit and housing due to this account, receiving Adverse Action Notices as a result. I have had no contact with XXXX XXXX XXXX, and they have no legitimate grounds to collect on the alleged debt. 

I request that Experian conducts a thorough investigation and promptly removes the disputed account from my credit file. I have attached supporting documentation, including the removal confirmation from XXXX and XXXX, to assist in the investigation. I appreciate regular updates on the progress of this matter and a written confirmation once the account has been removed from my Experian credit report. 

Please conduct the investigation and correct before the next reporting date. 

Thank you for your attention to this urgent matter. I trust in the fairness and accuracy of the credit reporting system and look forward to a swift resolution before the upcoming reporting period. Please contact me if you require any additional information or have any questions. 

Sincerely, 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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023 around XXXX hours, we attempted to deposit {$3000.00} in {$50.00} bills. 
Upon doing so, the ATM crashed and gave us a printout stating XXXX XXXX XXXX. 
We contacted the bank, Webster Bank who are stating they only retrieved XXXX {$50.00} bills and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I have sent in the payoff for this account three times. I have followed all the banking laws under the CFR codes, the indentured trustee act and the bill of exchange act. 21st mortgage refuses to send the documents to the indentured trustee at the XXXX XXXX XXXX XXXX XXXX to process the security I have sent them. The cfr code XXXX states that once payment has been accepted it must be processed and the debt must be discharged. 

I have saved copies of all mailings and have all the tracking numbers to show they have been paid. 

Also I know the company has been paid for this loan already and is trying to charge me interest on a loan that they have already been paid for. The company is double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On XX/XX/2023, I submitted a payment of {$1900.00} as my outstanding balance on the loan is {$1900.00}. I called the company on XX/XX/2023 at approx. XXXX to move the payment to principle only. I was told on the call, the payment had been submitted and the payment would be moved to principle. I called again on XX/XX/2023, approx. XXXX to check on why the payment was not reflecting as being applied to principle. I was told there was an error and the payment was not able to be move to principle after being on hold for over XXXX XXXX. I was then told I would need to wait an additional XXXX XXXX for the funds to be available on the account and to call back in to make the request again. I stated this was not my error and the company needs to apply the funds per my request. I'm trying to get my loan paid off and the company is charging me interest all of these days due to the company 's error. I was told I would need to make the request when the funds are available. 

Please review the below documentation, the company did not apply the payment correctly before I had called either.

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 2023-06-26 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:
XXXX XXXX XXXX XXXX acct XXXX {$2000.00} I was never late on the loan because it was auto payment. In XXXX It shows inconsistencies between all three reports showing XXXX late payments in XXXX and XXXX late payment in XXXX. This is false and inaccurate. There's late payment in different years in each report XXXX, Experian, and XXXX and all dates are inconsistent and different. There was no late payment because I had auto payment directly from my bank for auto loan. This account has been in my credit report for over 7 years. 

XXXX  account # XXXX is inaccurate in all credit bureaus XXXX, XXXX and experian. I was on a deferred loan because I was attending college at the time. There shouldnt be no payments. In experian shows XXXX late payment on XXXX. 

XXXX XXXX XXXX account # XXXX, {$2200.00} I reported identity theft and purse stolen along with credit card which was used and should have been closed. Shows late payment XXXX, & XXXX. The card does not belong to me. This account has been in my credit report for over 7 years. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, XXXX  XXXX account # XXXX, and XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

15U.S.C 181 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frontline Asset Strategies, LLC
State: UT

Complaint narrative:
I explained to them that I dont get paid for XXXX more weeks and wouldnt be able to pay anything until then and the guy got mad at me, used a condescending tone and so I told him I would pay it when I can that I didnt appreciate his demeanor and not to call me again, this was on Friday XXXX/XXXX/223, theyve since called me 7 times between Saturday XX/XX/2023 at XXXX to now XX/XX/2023 XXXX so theyve called me 8 times in a 4 day span. Oh also it shows up as No Caller Id

Company response to consumer: Closed with explanation