vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Lets say my credit limit is $ XXXX. I make a charge for $ XXXX. I then immediately pay the full amount. There are no other charges. 

Chase says my available credit is now XXXX ( actually XXXX ) because my payment is large and so is on hold. I confirmed this with four different customer service reps. 

If I hadnt paid at all, my available credit would be $ XXXX. If my bank canceled the payment for whatever reason ( i.e. the reason the payment is " on hold '' ), my available credit would still be $ XXXX. 

This makes no sense, and I am unable to use my credit card because I paid it early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
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 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 2022-06-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days

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 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
XX/XX/2022 I was trying to sell my bike. A person contacted me through XXXX to purchase the bike. XXXX is my bank 's form of XXXX. Someone from XXXX contacted me and said I had to put in the money into the account to show that I could protect the payment. I took screen shots of the communication. I sent them {$610.00} which was the asking price for the bike. I was told by XXXX I would get my money back and the payment for the bike. 

That did not happen. It was a scam!! I was unaware someone could hack XXXX as it is promoted through Wells Fargo.I lost the money which my mother transferred to me through XXXX. I had to borrow money because I didn't have any which was why I was selling the bike! 

My mother contacted Wells Fargo BEFORE the XXXX transaction went through. She told them what happened and they opened a fraud claim. I also called and made a claim. Wells Fargo let the transaction be completed even though they were told it was fraudulent. 

We have both tried to talk to the bank, spending hours on hold. Three claims were submitted and all denied. They still think I was buying a bike! I was selling. I have the screen shots, they did not care. They do not listen to what happened. They see that my mother transferred money to me and can't grasp the events correctly. We have tried to explain so many times. 

We wrote to the Consumer Federal reserve for help and they sent us to you. 
All I want is my {$610.00} back. {$500.00} of that belongs to my mother. Please help us. Wells Fargo should honor the request to refund the money because it was their website that got hacked. AND they let the transaction go through even though we asked them to deny it. 

Thank you for your time. 

Sincerely, XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
For a loan that originated on XX/XX/2020, Affirm did not provide any opportunity to select a payment date and, per their own internal policy, has no options to modify the payment plan dates. I reached out to Affirm immediately after the loan originated and received no response. I would learn later that my only opportunity to modify the agreement were in the first 120 days in the form of returning and requesting a refund for the associated purchase. I did not have an opportunity to seek a refund related to this issue, because I received no response. The reason, as communicated by Affirm representatives today, is simply because Affirm created their own policy forbidding it. 

The Affirm web portal is difficult to navigate and does not provide access to the completed loan agreement. In fact, I spoke to a representative today who said they would email it, because I have still not received it for the entire 2 year duration of this loan, advised they could only send it after the chat closed, then did not send it. 

The Affirm web space further has misleading information about options available to someone wishing to change their payment due date. Of note, one page states that they can not change the date, but we are not charged late fees and can pay later in the month. However, it does not state that such an " overdue '' status can negatively impact our credit report, which I was advised of by a representative today, when I asked directly about payment change options. 

Further, Affirm does not maintain a consumer accessible record of any of these interactions. My first email from Affirm did not come until a year into the loan. There is nowhere to see that I attempted to discuss this with a representative. The only record I have is a text file transcript of a chat with a support rep. The format makes it impossible to verify the authenticity, so effectively Affirm provides a transcript they can deny the validity of at will. I have, nevertheless, provided the text transcript as well as screenshots of the issues I identified in Affirm 's consumer facing documentation and the limited internal documents they make available ( a Terms of Service page with no history ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: MO

Complaint narrative:
I am writing concerning my attempt to get a corporate loan from Lendingpoint via XXXX. They said the loan was approved, but then required a check showing both the corporation name and my name. I was able to get that for them, as I am the beneficial owner of the corporation per the bank 's records. But then they asked for a letter from the IRS declaring that I was the owner of the corporation. That isn't possible for a corporation since the IRS has no such visibility into the ownership of a corporation. So either they have someone handling the loan who isn't trained very well or they are denying me the loan for some other reason which they are not disclosing. 

After explaining that to them, they then required a letter from the bank, again saying that I was the owner of the corporation. The bank sent them a letter stating that they could not divulge the owners of an account under federal law, so what they're asking for is illegal. In any case, a privately held corporation 's ownership is not public record. If they call the registered agent and stock transfer agent ( my husband ), he'll tell them I own the majority of the shares. But the bank doesn't have any visibility into the current ownership of a privately held corporation and neither does the IRS and neither does anyone else besides the shareholders and stock transfer agent. 

The ownership of a privately held corporation is not public record, and that information is pretty much only available from the corporation itself. Lendingpoint should know this, and they should know they're acting in violation of the law. I can't really believe they're that stupid, so I can only conclude they're hiding the real reason for denying the loan. 

From the IRS : " While it is possible to do things like call the business and ask for the owners name, the IRS does not have any independent, direct information about the owner of a corporation. '' I am also not the registered agent or the original incorporator, so the state doesn't have any direct knowledge of my ownership, either. I purchased all of the stock in a private transaction about five years ago. I have a spreadsheet that tracks the share ownership, and I'd be happy to send that to them ( but that only proves I can put together a spreadsheet ). 

There are two people and a spreadsheet that know the current ownership of the corporation. I'm one of them and I'm telling you I own the majority of the shares and I'm the beneficial owner as well. Another shareholder retains 1 % of the shares, and that's my husband. He'll tell you the same thing. 

Please provide the real reason for denying the loan, as you know very well that the verification that you're asking for does not exist and is illegal for the bank to provide even if they did have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ data international called me on XX/XX/XXXX and XXXX, XXXX, and told me that I owed them around XXXX dollars. On the phone call on XX/XX/XXXX and XXXX, XXXX, I requested to send me written documents about the debt to validate the debt and the agent refused it. They claimed that they have already sent me the written documents, but I didnot received it. I requested them to show me the proof to prove that they did send me mails or emails. They refused it. I requested them to send me again by mail, they also refused it. I don't have enough information to validate the debt and I also don't know their mailing address to send them a letter to request the information. And they also reported this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from Experian but still are showing up on XXXX and XXXX. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2022-06-16 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: TN

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

15 US 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 an 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 2022-06-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This account was never charged off it was a secured card. I tried to fix this with Equifax and they refuse to do anything on the report after 2 letters. It was never late and sure wasn't charged off My attorney told me to file separate complaints on both and to add this PDF here so there is a record and 1 was mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent Equifax two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Equifax Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( Equifax ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that Equifax provide this information or DELETE the inaccurate accounts from my file. Equifax has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( Equifax ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This account was never MY ACCOUNT. 

My attorney wanted me to file a dispute and add this PDF so there was a record so that we can get equifax in court here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on XXXX and Transunion. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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