vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scratch Services, Inc.
State: CA

Complaint narrative:
In XXXX I applied and was granted a PPP Loan with XXXX XXXXXXXX XXXX during lock down due to COVID. At that time I applied and was approved for forbearance. At no time did I receive a notice from XXXXXXXX XXXX XXXX  that my loan had been transferred to SCRATCH. 

On XXXX XXXX, XXXX I received a letter from SCRATCH LLC stating that I was delinquent in repayment of this loan. I called and left voice messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to SCRATCH requesting documentation that I owed them for any late or finance fees in connection with the PPP loan from XXXX XXXXXXXX XXXX 

On XX/XX/XXXX I sent an email requesting documentation again for the so called late fees on the loan. On XX/XX/XXXX I was emailed an access link to an online account and advised to complete the forbearance application. I was advised that this application was approved. 

On XX/XX/XXXX I received an email stating that there were more " late fees '' due. I emailed requesting documentation. No documentation was received. 

On XX/XX/XXXX I called SCRATCH. I spoke with a representative who looked through my " file '' and said that I had to pay the late fees but she saw that the forbearance was approved on XX/XX/XXXX. I tried to log into the account and was denied access while speaking with the representative. XXXX minutes later we were disconnected. I called back and spoke with " XXXX '' who advised me that in the beginning of them taking over these loans their representatives were telling clients that if they got approved for the forbearance that they wouldn't owe any interest or late fees. She told me that if I agreed to pay {$150.00} that she would escalate the file to be written off and close the account. I paid this amount on XX/XX/XXXX. On XX/XX/XXXX I received an email stating that I had to complete a forbearance application. I tried to login into my online account and was denied access again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I attempted to obtain my personal credit report from XXXX XXXX XXXXXXXX, part of XXXX. After I filled out the necessary form I was asked to send a written request with COPIES of both my social security card and Driver License which I feel very uncomfortable doing. 
I called customer service spoke to agent XXXX and I explained the situation. She refused to guide me as to how I can obtain my report other than submit the above mentioned copies. 
I also requested to put a freeze on my report and I was again denied such request. 

Please advise as to what I can possibly do Thank you 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was told to report the fraud to either yous or the local police department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX never late XXXXXXXX XXXXXXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX  XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$420.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$520.00} not mine XXXX  XXXX XXXX XXXX {$1300.00} not mine

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited my paycheck on Friday and was only credited a small amount, but assumed that the rest would clear on Monday. It did not. I called Wells Fargo and they told me that they were holding my check for another XXXX weeks due to me having prior overdraft charges. I did not have any overdraft fees recently, nor any owed fees, yet Wells Fargo refuses to credit my account. I explained that I have automatic drafted bills coming out this week, and that if they don't credit MY funds to my account, it will cause more overdraft fees. They did not care. I asked how I am to pay my bills, put gas in my car, buy food for myself and my daughter. They did not have an answer nor did they care. They are holding my money XXXX in violation of the law, and have setup what appears to be a scheme which purposely forces overdraft fees to be charged to my account by purposely withholding my money. They refuse to provide any explanation, nor do they have any desire to comply with the law. When I asked the customer service agent how she would pay her bills and buy food in this situation, she hung up on me. I have no way to resolve this, and as of now, it appears that Wells Fargo has stolen my money and will not give it to me. Please help.

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 2022-07-25 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$500.00} XXXX XXXX Balance Owed : {$680.00}

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 2022-07-25 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: NJ

Complaint narrative:
Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in Cal. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in XXXX weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and Capitol One I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you XXXX XXXX This is part of the claim XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I filed the declaration of unauthorized endorsement or altered item, amount of {$2000.00} to the bank of chase.

Someone stole my check, altered the name and cashed it out. 

The chase bank is saying that they are still investigating and no money has been refunded. 
It has been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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:
I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.

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 2022-07-25 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase Bank advertises their " Chase Sapphire Preferred '' Credit Card as providing a {$50.00} XXXX XXXX XXXX  Hotel Credit that is automatically applied as a statement credit for hotel room accommodation purchases through their XXXX XXXX XXXX portal. 

Chase states that " Statement credit ( s ) will post to your account within two days after your purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. '' However, this did not happen for me and customer service refused to solve this issue and provide me with the agreed upon {$50.00} statement credit. On XX/XX/XXXX I booked a hotel room accommodation for XXXX XXXX XXXX for {$200.00} through the XXXX XXXX XXXX portal and the transaction was coded as " XXXX Chase XXXX '' on my credit card statement. However, I never received the {$50.00} statement credit within the two days after the purchase posted to my account and it has yet to appear on my last two billing cycles. 

When I called chase with this information on Monday, XX/XX/XXXX, they said that they would escalate it to their research team who would get back to me in two weeks. However, I called back two weeks later and their research team did not bother to look into the statement period that I purchased the hotel through their travel portal and denied me my earned {$50.00} credit. 

When I called, I was put on hold for more than one hour and was told by the supervisor all they couldn't do anything despite themselves seeing the purchase on XX/XX/XXXX through the travel portal. Chase has refused to honor the {$50.00} statement credit that was promised and as a result I will be forced to pay the {$50.00} balance on my credit card to keep my purchases current, taking money out of my bank account to subsidize their malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-25 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: MO

Complaint narrative:
Hello. A couple of months ago I set up an American Express card account. When I got the card, I immediately set it up for monthly auto-pay of the entire statement amount from my checking account. The first month the auto-pay did not work properly, and the payment was not processed. This became apparent to me when the card was turned off for non-payment of the invoice. When I called AmEx, they recognized and admitted that the auto-pay was turned on and set properly by me, but the automatic payment processing did not happen on their end. So the agent refunded the late fee. But they still charged me {$110.00} in interest and refused to refund the interest charge even though they admitted the mistake was theirs and not mine for the lack of payment of the statement. Then, the statement this month included more interest in the amount of {$210.00}. The account is still set up on auto-pay and it was auto-paid on time this month. But AmEx calls this " trailing interest '' and also refuses to refund this amount. So they have fraudulently charged me {$320.00} in interest through no fault of my own but because of their system error. They are continuing to charge interest and it is impossible to get anyone on the phone that has responsibility for this ongoing fraud. This must be stopped and the only way I can see is to ask the CFPB to help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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:
On XX/XX/XXXX there were pending international charges on my account. The next day I opened a claim with my bank regarding around XXXX charges totaling over {$20000.00}. This fraudulent activity started with someone transferring a high amount of money from my savings account into my checking. They also linked an XXXX to XXXX XXXX on the account, while I do not have an XXXX. I also do not even have a passport to travel internationally. They also increased the daily debit amount to {$20000.00}. There were several charges for the same amount and varying other charges ; all international. My bank denied the claim made saying there was nothing fraudulent despite these charges being out of the ordinary, in another country, connected an XXXX with a different name, and pending while I made a claim. I am currently in the process of helping my daughter and son in law purchase a house so we made another escalated claim with the bank hoping they can help get this money back and do a more thorough investigation. I never authorized these charges over the phone, in person, or through texts. I only gave codes to the bank sent to my phone to deny these charges as I did not make them. They have not sent a letter with any reasons to why this claim has been denied yet; hoping to receive something soon. The bank also reversed 2 of the smaller charges on the account, so I don't understand how these charges ( with the same description as the others ) were sent back but none of the others were considered fraud.

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 2022-07-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Re : US BKPT CT IL XXXXXXXX XXXX To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation