vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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:
XXXXXXXX XXXX failed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater.

As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance.

Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( 1 ) any actual damages sustained by the consumer as a result of the failure.

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 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
A vehicle was reported for collections on my credit for XXXX fromXX/XX/XXXXXX/XX/XXXXafter multiple disputes they closed it at XXXX balance. 2 weeks later this company Jefferson capital puts on my credit the same information I will not allow me to dispute. They have not mailed or notified me regarding this collection before reporting I also did not agree for this information to be provided to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX Called due to an issue with Property Taxes not being paid. 
Discovered that the prior owner did not pay the XXXX property taxes that were due in XXXX. 
Was asked to submit the property tax statement and submitted the same day. 

XX/XX/XXXX Received a letter in the mail dated XX/XX/XXXX that my property taxes had been paid. I checked my escrow balance and discovered that they had paid my property taxes twice taking out an additional {$4000.00}. I immediately called the bank and let them know about the error and they said they would submit a stop payment and if that was too late would work on a reversal. 

XX/XX/XXXX I received a payment analysis that changed my current monthly payment from {$2600.00} to {$3600.00}. This was calculated with and additional {$4000.00} being taken out of my escrow account and my future tax payments being {$4000.00} every six months when my payment should be {$1900.00}. I immediately called the bank to inform that that my escrow analysis was incorrect. Even giving the benefit of the doubt that my current escrow balance was incorrect and the analysis was performed on incorrect data they still incorrectly calculated my future tax payments. 

XX/XX/XXXX I received a message stating my tax issue had been resolved. I checked and my escrow balance had been fixed. 

XX/XX/XXXX I still have not received a new escrow analysis and my payment is still the incorrect amount. I called the bank and informed them of the issue. Initially I was told there was nothing that could be done for the XXXX payment as the escrow analysis has to be performed at least 30 days prior to the payment date. I informed them I had notified them the escrow analysis was wrong the day I got the letter and that it was at least 30 days prior. I informed them I was unable to make this payment and that their mistakes were creating an undue financial hardship on me. They stated they were going to try and escalate getting an immediate escrow analysis completed. 

If this is not corrected within 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 2024-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-23 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: NY

Complaint narrative:
We booked an XXXX XXXX. When we got there the XXXX  XXXX host was not answering and didn't provide us with a code to get in. We finally got them after an hour. It was late we all dried off and went to bed. Next day we were gon na all day. So third day in we noticed a lot of things wrong. I notified host told her the issues she said she fix for next guest. Called XXXX  XXXX they put in for a refund and a safety issue. We left the house but left some of our belongs. My handicapp and young son both couldn't stay in the house. Electrical wires all over yard. Not clean. Infested with bugs. I had sent all this proof to XXXX. Takes them forever to respond. Bottom line is the house was not was she said. Lots of issues. Chime denied my refund after receiving all the info. Not fair I was charged for a play for XXXX days and only stay 2. Then the host leaves a bad review accusing his of stealing. Which was completely untrue and I got her on a conversation lieing about it. Since we asked for a refund our account got closed and no further contact with a XXXX dollar credit on the account. XXXX XXXX is not fair and even they admitted the house was unsafe. Offered to move us out the night before checkout. Before our account was closed we rented a different XXXX. We get a notice at XXXX we r having a party to leave the house right there and then. We were in bed watching tv. I am disgusted with the issue. And now I am out XXXX dollars and I find chime and XXXX  XXXX wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address and FTC On the page 2 These INQUIRIES should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
I purchased a money order to pay a loan, the money order was returned by XXXX uncashed. I requested a refund online for the money order and the request was successful. Moneygram charged to get the refund within one week, this was from XX/XX/year>, it is now XXXX. I have sent multiple emails, and have submitted multiple tickets online from their website, I still have not heard back. I have called the number that their auto generated system emailed me to call, the number had no options to speak with a live person, neither did it have an option to submit any request tailored to attaining a refund that I have not already done. The refund amount is {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been struggling to log into my account at Citi and had been unable to do it. I received a notice from Citi today ( via text, which is insecure, and using a URL which was not Citi 's typical landing page- which could be confused with phishing. ) This was my first notice about my payment. I finally managed to log in and identified that I had just been charged a late fee and interest. The late fee ( {$30.00} ) was in excess of coming requirements and was charged at XXXX dpd. There was no attempt to contact me before fees and interest were charged. I attempted to complain but there was no option to do so on Citi 's site ( the help menu directed me to a branch, and being currently in Montana, there are none. ) There was no option to complain online shown so I'm giving feedback via this channel. 

It would appear that this method ( waiting to notify customers until just after fees were charged ) would constitute UDAAP. I would challenge Citi to explain to the CFPB why waiting until after fees to charged is a fair, acceptable and non-abusive practice.

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 2024-05-23 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: AZ

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

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 2024-05-23 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: IL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-23 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: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX, XXXX Account name XXXX XXXX Account number 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 2024-05-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a Verizon visa card issued by Synchrony bank. Synchrony recently notified me that it will start charging me a fee to mail me a paper statement and the only way to receive my statement at no charge is electronically. I do not have an email address to which I have regular access and I am at risk of missing my bill payments because of this. I want to continue receiving my bill in paper. How can Synchrony charge to send me a bill?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited a payroll check, and they are holding it for over a week. Another scam by our banks. I have no money. And I am anout to lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
unsecured loan open XX/XX/year> for the amount of {$30000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NE

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX for {$1900.00}. The packages with tracking numbers XXXX and XXXX were returned to the sender. It is now XX/XX/XXXX, and I have been denied my refund once by XXXX, and multiple times through multiple disputes through my credit card. 

I submitted the first dispute on XX/XX/XXXX, which was resolved in the merchant 's favor. I made another dispute on XX/XX/XXXX, but PayPal Credit never opened the dispute for me. I called four customer support representatives, who promised it would be opened, but it never was. I created a third dispute on XX/XX/XXXX, which was resolved in the merchant 's favor on XX/XX/XXXX, with the same exact evidence from the merchant as the first dispute in XXXX. The XXXX tracking page clearly shows the packages were returned to the sender and signed by their warehouse. Now, so much time has passed that XXXX no longer holds that tracking information. Luckily, I have everything documented from my dispute in XXXX, including screenshots of the tracking pages. 

XXXX XXXX evidence claims that even though the packages and tracking information indicate they were returned to XXXX  ( signed by them ), I am lying and still have the products. This makes no sense and seems like they are taking advantage of my friendliness. I will provide all of the documents on this complaint.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I moved from XXXX to XXXX XX/XX/year> XXXX 
I was on auto payments and completed and closed my account Now I see amsher collections trying to charge me {$610.00} for a debt not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation