vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I got the company through online search, and they sent me a proposal in regard to the build of a mobile application for me and I made an upfront payment of {$3000.00} on XXXX by XXXX they requested more money and I paid {$1200.00} on XXXX  They asked me to pay {$890.00} for a dedicated server which I paid on XXXX The dedicated server was to be built within 48 hours of payment and the agreement was that I will have the login to the server to verify the specification that I paid for. When I requested access to the server, they refused to give me the access to the server. I sent couple emails and calls requesting access to the server, and they told me that I can not have access to my server. At this stage, the project was not progressing, and they could not deliver on the XX/XX/ timeline so I reached out to my bank and filed a dispute. They filed a counter dispute and the only money I got back was the initial {$3000.00}. In XXXX, XXXX called me and pleaded that they will complete my project if I pay them the {$3000.00}. After much assurance to complete the project, I canceled the dispute, and they received the {$3000.00}. XXXX drafted a scope change to complete the project in XXXX. As soon as the money was paid, XXXX seized communication with me. The project was not going as it should and they stopped scheduling design review meeting. I sent couple emails and calls without any response however, when they finally called me, it was a new person who claimed to be the new project manager. He apologized and assured me that he will complete the project. He drafted a scope change to complete the project in XX/XX/ and requested that I pay {$1500.00} which I paid on the XXXX. He was responsive the first two weeks of our meeting and gathered information from me on what was left to complete the project. After I made the payment, he seized communication, and everything fell apart. After multiple emails and calls without response, I realize that I was been scammed. I have written an official email terminating the contract and requested a full refund of my money and nobody has responded to my email. 
The following timelines were agreed and were not met by the company : Initial Timeline of XX/XX/ was not met. 
The scope change for a new timeline of XX/XX/ was not met. 
The scope change for a new timeline of XX/XX/ was not met. 
In general, there has been non-communication since the last payment of {$1500.00} on XXXX. 
To date, a total of {$6600.00} has been paid, which translates to more than 70 % of the total cost, and no progress has been made for the past 10 months beginning in XX/XX/. 
When I approached my bank, they told me that they can only file dispute for the {$1500.00} that was paid on the XXXX  which they did. 
I am pleading to the authority to investigate the company and make them to refund my money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
2 year argument with Sams Club/Synchrony credit I paid them in full back in APR XXXX 
Filed complaint in XX/XX/XXXX with CFPB Sams Club reduced amount owed from {$20000.00} to {$10000.00} Still incorrect. THey have noted delinquent remarks on my credit report which have prevented me from getting colege loans for my kids, home equity loans from XXXX XXXX and Auto loans from XXXX. 
Please help me get them to acknowledge their accounting was in error back in XXXX XXXX and they have been double billing me ever since. 
In the alternative, shouldn't they have to prove something in Court if they say I owe them money?

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I contacted XXXX, XXXX, and XXXX regarding the inaccurate reporting of this public record. I was informed by the Consumer Reporting Agencies that this information was furnished from LexisNexis Risk Solutions. The public record is not accurate and I am asking that LexisNexis Risk Solutions Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I've been trying since XX/XX/2023 to get Equifax to remove the 'NH ' code from my electronic credit report. I NEVER AUTHORIZED THE NH CODE. Equifax did this without my consent. I need to be able to access my credit report electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested my Truist Visa credit card closed in XX/XX/2023. 
In XXXX I got online banking statement showing bank had paid XXXX automatically after I had canceled the accountthey refunded that to card In XXXX they made the same error! When I called and said card should have been CLOSEDthey returned money to account and said that now had XXXX balance they could be sure card was closedXXXX XXXX.. 
Then in XXXX they allowed someone to transfer {$8000.00}. Out of the CLOSED credit card without my knowledge or permission Since that time I have called the Truist fraud departments and credit card dispute departments over 12 times!, ,I also filed fraud report with XXXX XXXX XXXX XXXXHe was able to trace the source of the fraud to XXXX XXXX, ,but due to it being out of the country he was unable to pursue. 
Sheriff told me Truist was responsible from the beginning due to them not closing the credit card when I originally requested account closed. 
Since then Truist has established another credit card in my name and without my knowledge and put the {$8000.00}. and almost another {$1000.00}. in late payment and interest charges on a card I dont have. Detective suggested that Truist had committed Identity Theft when they opened credit card in my name without my knowledge!!! Truist will not return my calls and my credit score has dropped over XXXX points since this started.

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 2023-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I wanted these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing, Please help me delete these illegal accounts from my credit reports. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
On XX/XX/23, got called by them, and the CSR was very rude. Would not identify themselves when asked. THEY finally hung up. I had to call back and speak with someone else. At THAT time, my return call, I requested any and all further communication be via mail. No phone calls, emails, texts, etc. The only communication requested was via postal mail ( USPS ), to which the CSR on the line seemed to have ignored my request and also started getting irritated. 

Today, on XX/XX/23, I get ANOTHER phone call from them, in violation of my previous request to limit correspondence to ONLY mail ( USPS ), and which no other form of communication would be acceptable. 

I have included screenshots of the calls received, showing their calls on XX/XX/23, and again today, XX/XX/23. 


I want to report this to any and all offices that this matter concerns. I will not let this go. This business is operating in violation of this, and Im sure many other areas as well, and needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account # XXXX is reporting on my credit report and this account needs to be Deleted. The company is NOT licenses or has Registration to collect debt in the state of Georgia. Please provide me verification of the license to collect debt in my state and I am requesting a copy of any agreements, contract or documents bearing my signature validating my obligation to pay this debt. 

Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please remove this account immediately from my credit report. I requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

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 2023-12-27 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
A fraudulent website was set up to purchase goods. I have reached out to the seller of those goods by email and by phone and all forms of communication are disconnected. As a result, I filed a dispute with PayPal in order to receive a refund for lack of goods and services being delivered. PayPal withdrew the money from my account but refuses to refund it, saying the transaction was a cash transaction. As I have shown PayPal through documentation, the transaction was not a cash transaction and was for an electronic purchase of goods. Apparently the scammer set up the website to show it as a XXXX purchase once the item was purchased. This was not what was listed on the website but is how it was transacted through PayPal. This should be refunded and protected under PayPals purchase protection. I have contacted them no less than 5 times to work through their dispute service and have requested multiple times for documentation as to why it is being denied and it simply states being denied because it does not qualify for purchaser protection. 

Today on XXXX, I spoke with a manager at PayPal who is now saying the purchase was denied because it was alcohol and thats not covered with their protection. So I attached the list of prohibited items which does not include alcohol. This is also the only individual that has stated that its not protected, the previous 4 people I spoke with said nothing about that, which you can see in their responses. I am requesting a formal response on XX/XX/27 as to why it is not being honored. The employee I spoke with was XXXX with identification XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( XXXX, XXXX and Transunion ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of 45 days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on TransUnion : XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete.

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 2023-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I paid XXXX and was up to date with my payments at which point I starting having issues with the service. I called XXXX to resolve the issue. They even provided me with the date and time someone was coming to resolve the issue. No one to this date has showed up to restore service. For several weeks I was without service to function as a business. XXXX  could not reach me, I could not service any customers. This was during the holidays XXXX XXXX XXXX XXXX and several customers needed XXXX XXXX XXXX. My only solution to this problem was to go back to my previous provider. XXXX did not even take my calls when I tried to reach them after they told me they we sending someone. 
After several weeks I finally got someone on the phone in customer service. I explained the situation and told them I wanted to find out how to return the equipment and phones. I also asked if there was anything further I needed to do. I was told no and I would be receiving the label in the mail to return the phones and equipment. When I didn't receive the label after several weeks, I emailed the account manager. He tried to reach out and was not successful. He then said I could take the phones and equipment to the store. I took the equipment and phone to the store and the associate on duty told me I would have to keep it because I already paid for it. I emailed the account manager and he said that was not correct so I went back to the store and returned the equipment and phones. 
XXXX is seeking to bill me for service I did not received. They seem to have taken back credit they gave prior. I have never received such horrendous service with any company other than XXXX. I have received letters via mail from waypoint and have responded, but I still continue to receive these letters in the mail

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 2023-12-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ran my credit report on Annual credit report for all 3 company 's and discovered Identity Theft occurred. I was not able to download my Experian and XXXX report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX  XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the XXXX Report but it does not show the loan from account services. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

XXXX XXXX Experian 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