vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
American Express card did not send paper or electronic statements, but I would get email from them telling me my payment is late the day after it was due EVERY MONTH. 
I'd call them, they'd waive the fee due to not sending a statement, and I'd pay the total balance on the spot. This went on for years! 
In XX/XX/2022 they would not waive the fee, I paid the balance without the fee and was told I'd be contacted by a supervisor as one was not available. They never called. 
In XXXX they billed a late fee and interest on top of the previous late fee and I called again, and then again in XXXX. 
This has continued up to now ( XX/XX/2022 ). 
Again, a month has gone by and I'm being billed, again, for interest and late fees on interest and late fees that I'm only aware of as my bank emailed me I have a bill due. 
This is deplorable! I've spent hours on the phone with them each month calling their customer service line at XXXX I contacted them again today, and they ( supervisor XXXX XXXX stated that he was clearing the balance and closing the account. He said he was 200 % sure this was done, which I've been told every month. My last call on XX/XX/2022 I was told the same, and given confirmation number XXXX. When I asked XXXX for a confirmation number today I was told that they don't generate confirmation numbers. He assured me it's done, and in the same breath recommended I call back in a week to confirm the account has a XXXX balance for my peace of mind. 
Regardless of whether the issue is resolved, I'm escalating this issue as it should've never happened. Hopefully I will not have to follow up on this complaint again next month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 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: LEXISNEXIS
State: GA

Complaint narrative:
I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. XXXX agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX XXXX violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
Sequium Asset Solutions , LLC emailed a debt collections notice for {$150.00} from XXXX XXXX XXXX XX/XX/2022. The debt originated from unauthorized access directly related to a XXXX data breach that compromised my personal information. At about XXXXXXXX XXXX XXXX XXXX, I telephoned the company and told one of the debt collectors named XXXX XXXX that the original creditor, XXXX XXXX did not send any correspondence that validated the veracity of the debt. XXXX XXXX did not listen and tried sidestepping the issue by verifying my address in backdoor attempt to force me claim the debt. I told XXXX XXXX that per Fair Debt Collections Act, the original creditor has to provide written information. Also, I told him that I currently participate in the class action lawsuit against XXXX and included the debt in question as part of unauthorized XXXXXXXX  charges directly attributed to the XXXXXXXX  data breach. 
Shortly thereafter, I disconnected the call with the debt collector because he was in no position to resolve the account dispute because his sole purpose included forcing to pay a debt for which I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
As of XX/XX/22, JPMCB is reporting 30 days past due. In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.

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 2022-11-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm sorry if this is long winded. All events happened in XX/XX/2021. I'm filling this out without all my documentation with me, but I can provide dates at a later time. 

So it all started when I ran out of checks and couldn't pay my rent. I went and bought two money orders one for {$1000.00} and the other for {$440.00}. I put my landlord 's name on them and gave them to him. A couple of days later, the super returned the money orders to me and explained that he couldn't deposit the money orders via his bank because they didn't accept mobile money order deposits. So he endorsed the money orders and gave them back to me. 

I have XXXX XXXX  and I also am not able to deposit money orders on their mobile app. So I went to Chase Bank, who I have a credit card with, and opened a checking account using the money orders and additional cash that I have. I made sure to confirm that I would be able to deposit the money orders with the employee assisting me. 

About a week later I received an email stating that my new checking account was being closed due to suspected fraud. I went to a branch to figure out the issue and they said that due to a credit freeze that I had put on, due to a previous identity theft earlier in the year that the opening of the account was fraudulent. I replied that I had shown them three IDs while opening the account. They did not have a response. They then explained that the cash I had deposited will be mailed back to me, but that the money orders I had deposited would have to be claimed by the person whose name was on them and that they would have to come in with the ID and speak to bank staff. 

I speak to my landlord to convince him to go with me to the bank and he then explains to me that the name he goes by is not actually his name because he is an XXXX and his name is too confusing for Americans and that's why he goes by XXXX. 

I call Chase bank and try to explain to them that the situation and that the name on the money orders is for someone that does not exist. They are also not money orders anymore as they have been cashed by Chase. I've spoken on three or four different occasions and unable to find a resolution to this. I keep being told that the person who the money orders were originally made out to has to come in and speak to someone at a branch. But this person doesn't exist. It was even suggested I wait seven years when the money goes to unclaimed property. 

Is there anything you can do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Global Lending Services LLC
State: PA

Complaint narrative:
Purchased a 2017 XXXX XXXX XXXX with the organization XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX NJ in XX/XX/202. VIN # XXXX I was provided XXXXXXXX XXXX when the car was sold. A little over 1 yr I was in a minor finder binder when my car was hit by debris ( tire thread ) which caused some minor cosmetic damage to the vehicle. When I took the vehicle to be repaired the auto collision that my insurance provider recommended began to do the repairs they discover additional damage that was not done by my accident on the other side of the vehicle that they considered irresponsible of the dealership to have sold me an unsafe vehicle. The reinforcement bar as well as other structural components of the car which is designed to crush in a specific manner to ensure the occupant is safe in a crash was compromised from the previous impact to the front end. The reputable collision center specialist opinion said that the vehicle would have not been able to sustain another impact in that era. 

" Good morning XXXX, Attached is a copy of the estimate on the additional damage that you authorized us to repair on your vehicle. I looked over the XXXX you sent me and there was nothing about recent front right damages. Your car was involved in two accidents with the original owner, left front and right rear side. It looks like they sold or traded the car in after the second accident. 

Somebody had to have replaced only the front bumper cover in an effort to hide the additional damage to the inner components and right headlamp. I would start with questioning the place where you bought the vehicle. We still have the damaged parts that we replaced. We could put them in your trunk if you like plus we have photos of everything as well. 

Please feel free to call me if you need to. I will be happy to help you in any way I can. 

Sincerely, XXXX XXXX XXXX State Licensed Appraiser # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX Fax # XXXX Shop Hours Monday to Friday, XXXX to XXXX We repair ALL makes & models. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/2022 I applied for a conventional 30-year fixed mortgage with Chase for the purchase of a new primary residence. I submitted the requested documentation on XX/XX/2022. 

For context, XXXX XXXX XXXX XXXX XXXX XXXX income is treated differently than traditional wages. I am paid a gross salary. Among other things, my taxable income is reduced by a designated housing allowance ( i.e., the housing allowance is not additional income but a reduction in my taxable income. It's a tax break permitted by the IRS ). 

I was pre-approved. Then, conditionally approved based on the condition that I provided a closing disclosure for the sale of our primary residence at the time. Unfortunately, the timing of the sale of our house and the purchase of a future home did not line up and we had to sell our existing home on XX/XX/2022 with a contract date on the home we were purchasing of XX/XX/2022. Several times throughout the underwriting process and just prior to the sale of our home I was told by Chase that everything looked good on the mortgage and we should be getting approval soon. I even offered to payoff some existing debts with the proceeds from the sale of our home to reduce our DTI ratio and was told that was not necessary, that everything looked good even carrying those debts. 

With being encouraged by Chase all along the way that approval was inevitable, we sold our house on XX/XX/XXXX and moved our family of XXXX ( me, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) into a bedroom at a friends house to live for the two weeks until settlement. On XX/XX/2022, out of nowhere, I was told by my loan processor ( by email ) the loan would likely be denied because Chase can not consider my housing allowance as income. Which I disagree with, but can understand. 

This is what I can not understand : I gave them all of the documentation they needed ( pay stubs, housing allowance worksheet, compensation agreement, etc. ) on XX/XX/2022. This issue should have been realized by their underwriting team well before XX/XX/2022, five days after I sold my house. It could have easily been identified as a problem by the end of XXXX and well before I sold my house. BUT I SOLD MY HOUSE. They led us on, telling us numerous times that we were headed to approval. Now my family has to back out of the contract with no where to go. 

My family is paying for the mistakes of Chase and their underwriting team. What happened is at best unethical and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Transaction date and amount : XX/XX/2022 - {$370.00}. 

Someone was able to change their name to one of my friends on Venmo, copy their profile picture and user tag and request money by going through this users friends list. I do agree, I should have double checked the account but Venmo allowed them to completely copy this person 's account. When I clicked on the payment, it did not notify me that this user was not on my friends list and allowed the transfer without any sort of indicator popping up that this user is unknown. Immediately after the payment, the user changed their name again and their account is still active. 

I reported this to Venmo and they denied my claim, stating this payment is consistent with my payment history. This confused me as I have never sent this person money before. The username of the user that received the payment has a completely different name, which they provided in the dispute outcome. The user 's actual name does not match their account info. 

Venmo 's website shows they are aware of this type of scam yet they have put no security measures in place to stop users from mimicking or copying other users accounts. 

I believe that Venmo has acted in bad faith in the review of my dispute resolution and has displayed negligence as they have created an environment that allows people to constantly change the image of their profile which gives them an easy opportunity to scam other users. It is confusing to me as to why Venmo even allows account users to be able to change their username to something that does not match their accounts or social security number. 

I understand if nothing can be done but since Venmo is such a big company with millions of individuals personal information, I believe they should be held accountable for their lack of security measures which have led to a dangerous environment and should at least share the responsibility of scams that are occurring. 

Right now, you can change your name and username as many times as you want and I believe this creates an unsafe environment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of company SCI for amount of {$990.00}. 
This debt showed up on my credit reports and has harmed my credit. 

1 ) I am not familiar with SCI 2 ) I have never transacted with SCI 3 ) I have never been contacted by SCI 4 ) I have never been contacted by XXXX XXXX XXXX ( debt collector ). They said they sent me a letter which was returned to sender. I highly suspect the debt/charge could be in my old last name ( though I have provided this collector with my correct current name so they might reference my current name if you inquire ). 
5 ) I am a previous victim of identity theft ( name, date of birth, social ) with people trying to open credit accounts 6 ) XXXX XXXX XXXX claims the debt is valid, but is unwilling to provide me with any verifying information 7 ) XXXX XXXX XXXX suggested I should just pay the debt to them to make it go away on my credit report. 
8 XXXX XXXX XXXX XXXX offered no other solution but said I could write them and provide information to dispute. But I don't even know what information to provide and I'm not sending a debt collector any of my personal information. 
9 ) I strongly believe the original charge from SCI was fraudulent and XXXX XXXX XXXX has picked up the debt and applied it erroneously to me. 
10 ) I've seen other complaints on XXXX about SCI and XXXX XXXX XXXX, exact same situation as mine 11 ) The three credit bureus rely on the debt collector to verify the debt is valid. But no one is willing to provide me with information showing the original charge details or help me prove the charge is not me. 
12 ) I can't even provide any documentation of the debt collection from collector or SCI because again, they've never contacted me ( even though collector says they sent a letter ). 
13 ) There are numerous numerous complaints online about XXXX XXXX XXXX as a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX  with XXXX  XXXX XXXX that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX  but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX  to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXXXXXX XXXX to let my credit continue to be negatively affected.

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