vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I, XXXX XXXX, desire to be part of the CFPB claim against Tempoe LLC for an illegal transaction and contractual agreement. I want my debt of {$1200.00} to be forgiven immediately. The Consumer Financial Protection Bureau ( CFPB ) today acted against Tempoe , LLC  for tricking consumers into expensive leasing agreements by concealing the contract terms and costs and failing to provide legally required disclosures. Forty-one states and the District of Columbia are entering into a parallel multi-state settlement addressing the same conduct. Tempoe offered financing at the point of sale to customers at major retailers such as XXXXs and XXXX. By hiding the true nature of the agreements, Tempoe tricked consumers into signing the leases, and consumers found themselves unable to return products and on the hook for unexpectedly large payments. The CFPB is permanently banning Tempoe from offering consumer leases, requiring the company to close each of its outstanding consumer accounts, and ordering the company to let customers keep leased merchandise with no further payment, representing approximately {$33.00} XXXX in released payments. Tempoe is also paying a {$2.00} XXXX penalty, with {$1.00} XXXX deposited into CFPB 's victims relief fund and {$1.00} XXXX paid to the states entered the settlement. 
My debt of {$1200.00} must be forgiven immediately!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. 1. l HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXXXXXX Account Number : XXXX YOU HAVE ME LISTED AS LATE AND I DEMAND THEY BE DELETED FROM MY CONSUMER REPORT. YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT BE REPORTED AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. 2. I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. Per US 15 1666B a creditor may not treat a payment on a credit card as an open-ended consumer credit plan and per 15 USC 1681 ( 2 ) ( a ) i ) ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) in general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been dealing with identity theft that started picking up quickly in XX/XX/2023. 
Since then. I have repeatedly reached out to Transunion to freeze my credit. The thief is able to reset my online account and unfreeze my credit by using the option to reset by answering security questions, which can easily be answered using my credit report. 

I have reached out to Transunion numerous times, speaking with numerous departments, asking them to take away the option to unfreeze my credit online. Each time I have been met with resistance or the inability to do anything - one supervisor even offered to add a security phrase to my account and said this would be required to unfreeze my credit, but two agents since have confirmed that nothing was added and refuse to offer any additional 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
Recd a text message from Shepherd Outsourcing Debt Collection for a Debt I am unaware for a company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased a dualfuel stove from XXXX to be delivered on XX/XX/2024 puchase price {$1800.00} + XXXX delivery. Once delivered I realized that my house 's electrical would not support this model. I initiated a refund and purchase of a gas stove purchase price XXXX + XXXX delivery to be delivered on XX/XX/2024. This is within XXXX 's XXXX return policy on appliances. During the delivery of the second stove on XX/XX/XXXX XXXX removed the stove that was delivered on XX/XX/2024. Upon receiving my credit card statement at the end of the month I noticed that the Dual fuel stove {$1800.00} was still on my credit card statement. I called the retailer and filed a credit card dispute with Chase. Chase initially credited the XXXX price of the stove. Upon receiving this month 's credit card statement I noticed that Chase had settled the dispute in the retailer 's favor, because the retailer failed to document picking up the stove they delivered on the XXXX of XXXX during their second visit on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Commencing on or about XXXX of XX/XX/2022, I fell victim to two multi-layered scam operations run by someone which involved me making deposits for a total of XXXX USD from my Capital One account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. 1. l HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX YOU HAVE ME LISTED AS LATE AND I DEMAND THEY BE DELETED FROM MY CONSUMER REPORT. YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT BE REPORTED AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. 2. I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. Per US 15 1666B a creditor may not treat a payment on a credit card as an open-ended consumer credit plan and per 15 USC 1681 ( 2 ) ( a ) i ) ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) in general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The statute of limitation for debt collection is XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>2024 I paid a web design company name is XXXX XXXX XXXX ( they also have many different name, such as XXXX XXXX XXXX ) to create a business website for my XXXX XXXX  business. 
I made XXXX transaction on the same day. XXXX is {$240.00} and another transaction is {$590.00} After almost a month cooperation, I start realizing that this company isnt registered in ca and their business address online is fake also. 
Most importantly, they kept asking me more money for hosting and server.. and they had never tell me what do I need to provide on my side such as content.. whenever I asked them for anything, there is no response until I called them! 
I decided to stop the service with them and they even dare to sent me a fake court hearing notice that they made to me for threatening me! 
That is why I dispute the payment that I made with my chase checking account. 
Chase give the funds back to me first and said they also need to do the investigation! 
XXXX2024 I found out that chase had already reversal the funds back to this scammer company! And told me they cant do anything since the scammer company said that I received the services! 
Where is my business website if I had already receive the service? 
Chase not protecting their customer at all and didnt do the investigation work good enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today I tried to go inside a Bank of America and use their ATM to make a payment on my credit card which I made a payment of {$1000.00} and the ATM machine took my cash that I deposit and said that the machine was having an malfunction and printed a receipt that did not show my payment. I had to call and file a complaint the ATM that I use that they put in the bank is the old ATM from outside of their building that has been malfunctioning for years now on and off. I have pictures that is the same ATM and The manager of the branch confirmed that it is the ATM from outside this branch has been remodeled to have one bank teller a lot of people when I use the atm complain of the atm taking there money and cards XXXX XXXX and its the closest branch to me

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 monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2022, I was victim of identity theft/hacking. I immediately contacted the bank ( Wells Fargo ) and asked to put a freeze on any contact via phone or internet, however I quickly checked and realized they did not do it properly, and despite my best efforts fraud and attempted fraud was still occurring. I had already contacted the fraud department in the first day or two, but nothing was done and I was told to go to the branch ( XXXX XXXX XXXX ) where despite having an IC3 report and a report from XXXX I was told the soonest they would change my account number was the following week. Being angry, I took my money out and opened a new account at a different bank nearby and filed a complaint with Wells Fargo executive case management office ( case ID # XXXX ) and closed my account at the appointment the following week being forced to pay {$100.00}. My daughter who was just shy of XXXX at the time asked to leave her XXXX checking open because she didnt have all the information needed to re open a new account, so I agreed, however shortly after she turned XXXX, I went to check on her XXXX account and realized she had a pending check for {$1500.00}. Knowing that she didnt have access to this much money and as a XXXX no one in our family would have given her that money, I looked online and to my horror it was a check for a home care agency from Indiana- which shes never been out of California in her life- and the signatures werent even remotely similar. Because the check still showed as pending I quickly called Wells Fargos fraud department and alerted them to the situation since they had both my and my daughters signature on file. I was told that they would not be treating it as fraud and was threatened by the employee in the fraud department that I would be held responsible since I was the only person who was over XXXX on the account. Two days later the check was released from pending to paid status and eventually I received a letter stating that I was responsible for the altered/fictitious check I filed a new complaint with Wells Fargo executive case management office ( case id # XXXX ) however it has been assigned to the same case manager as the first complaint, and I have reached out to her numerous times with my documentation and also to ask for updates, yet she has not been transparent with the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank refused XXXX IRS XXXX withdrawals from my account. Citibank did not notify me of the refusal. The IRS sent a letter on XX/XX/XXXX with late fees and penalties due to the rejection of the XXXX. Citibank has the worst customer service. They claim the account was marked inactive. I was not notified of inactive status and my statements said nothing. I was told me to send a letter to activate it. I sent the letter, which they acknowledge. Citibank told me the letter was not sufficient and the " back office '' sent me a letter on XX/XX/2024 explaining the deficiencies. The letter has never been received. When I try to call a branch almost 2 hours from my house to try to access the funds, my call is re-routed to the same customer service team, which can not verify the exact information required to access the account in person. The account was opened online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Personal information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Subject : Request for Resolution of Unauthorized Charges and Credit Score Concern Date : XX/XX/XXXX I am writing to seek your assistance regarding a troubling issue that occurred after my husband and I traveled to XXXX. At XXXX XXXX Terminal XXXX, we made purchases at XXXX XXXX, where we were charged XXXX XXXX and XXXX XXXX. These amounts were unexpectedly charged in US dollars instead of pesos, and the credit card slips were signed without properly displaying the currency, as the amounts were obscured by a grey metal covering. 
Despite sending multiple letters to American Express, including a fax on XX/XX/XXXX, a late fee was added to my account, which American Express declared as a closed case when I inquired on XX/XX/XXXX. Additionally, one of the items charged for {$4500.00} has not been received. 
On XX/XX/XXXX, I filed a complaint with American Express to dispute these charges and requested a refund, but to no avail. Although my credit limit was supposed to be {$8000.00}, over {$15000.00} was charged. After not receiving a satisfactory response, I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, and followed up for a status update on XX/XX/XXXX, but have not yet received a response. 
Attached, please find the letter to the Federal Trade Commission, detailing the entire course of events. 
I am concerned that these unresolved charges will negatively affect my credit score. I kindly request your understanding and assistance in this matter to ensure my credit score is not adversely impacted. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation