vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This complaint is an update regarding American Express who opened and REVERSED the conditional credit THREE TIMES. Please refer to COMPLAINT XXXX XXXX XXXX XXXX XXXX 
Last week I spoke with their Dispute person in Florida who agreed with me that NOBODY should stay in a motel like XXXX because of HEALTH HAZARD. 
TODAY, they reversed the conditional credit the THIRD time and sent this : " Dear XXXX XXXX We have an update on the {$1100.00} charge you disputed with XXXX XXXX. 
Merchant has provided the signed receipt and sufficient documents that shows before check-in you have inspected the room and found it as described and also offered the different room the next day. Merchant has no refund policy signed by you. However, at this time we can only suggest that you to try to resolve this matter directly with the merchant to reach a mutually agreeable resolution. '' I also contacted XXXX XXXX XXXX, the XXXX of AmEX office two weeks ago, and there is no response. 

As I mentioned before, the merchant 's policy is " Misrepresentation voids reservation '' ( please see this in the photo attached ). This must work for BOTH parties. The merchant misrepresented goods and services when I made this reservation and paid the deposit over the phone. Instead of a clean place, they give people a XXXX room. The alternative room they mentioned in a response was on the third floor, and there is no elevator. My XXXX XXXX XXXX could not endure the stairs. I had to leave the next morning. This was supposed to be my first vacation after the course of XXXX. I had no vacation. 

I protest the situation when AmEx takes the side of an unscrupulous merchant. This is a robbery. The motel robbed me of my vacation, and AmEx is encouraging the merchant to continue doing this. I have XXXX in remission, and I can not breathe BLACK MOLDXXXX which is EVERYWHERE in this motel ( please see the scans of other people 's reviews from XXXX ). NO healthy person should stay in this room either. What AmEx is doing is criminal. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
XX/XX/2023 I noticed an account on my credit reports from a random third party called Oliphant that I never had any business relationship with.

Oliphant was attempting to collect on a debt in the amount of {$900.00} allegedly on behalf of a company called XXXX that I never had any business relationship with. 
I have had my identity stolen and sent Oliphant a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports.

I also disputed this fraudulent Oliphant account with the credit bureaus.

Oliphant however continued reporting this fraudulent Oliphant account with the credit bureaus. 
XX/XX/2023 I noticed Oliphant still reporting this fraudulent Oliphant account with the credit bureaus.

I then sent Oliphant a DEBT VALIDATION LETTER via certified mail XX/XX/2023. 

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so. 
Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports. 

I then sent Oliphant a FAILURE TO RESPOND letter via certified mail XX/XX/2023. 

Oliphant violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. 

Oliphant violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law.

Oliphant violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated.

Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''.

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so.

Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

Additionally, Oliphant FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail September 2, 2023.

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports and it is still there as of this filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with NAVY FEDERAL CREDIT UNION, Account number XXXX. i do not have a contract with NAVY FEDERAL CREDIT UNION. i am also not liable for the debt of {$8600.00} with XXXX XXXX XXXX, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account STATE OF XXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to XXXX8 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuses to give me my credit report. 
They state that I have an address conflict. I have sent them letters showing my ID and address and a bill showing that. However my account is not updated. I cant even retrieve my report. Attached is a my drivers license with my address I have had for the last 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTSTAR MORTGAGE CORPORATION
State: GA

Complaint narrative:
I have a mortgage held by Weststar. I have attempted to make my monthly payment in their online system, but receive the error : 403 - Forbidden : Access is denied. 
You do not have permission to view this directory or page using the credentials that you supplied. 

I have called Weststar. They do not answer their phones and have ended the call before I'm able to speak to anyone. I have submitted a request to their customer service form, but have not received a response. I have tried to leave a voicemail, but the mailbox is full.

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 2023-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WSFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Loan was transferred from Specialized Loan Servicing ( SLS ) to WSFS Bank to start payment in the month of XXXX. My wife and I are co-borrowers on the loan so we each pay half. I make XXXX payments for my half of the mortgage. {$140.00} every XXXX weeks then my wife also pays her half of {$280.00} once a month. I mistakenly sent the old servicer ( SLS ) {$140.00} on XX/XX/XXXX for a portion of the XXXX payment. They no longer serviced the loan at at that time so they sent the payment to WSFS Bank to be applied to my XXXX payment. That payment was never applied. I made XXXX other payments of {$140.00} to WSFS Bank on XX/XX/XXXX and XX/XX/XXXX in order to pay my XXXX balance. I called XXXX to see if they sent the payment and they sent it to WSFS on XX/XX/XXXX ( See Attached Payment log ). WSFS is showing no record of it and said that they would research it. That was on XX/XX/XXXX when someone called me to let me know my payment was late. They then stated they would research it again on XX/XX/XXXX when I called to ask about the payment. 
They Payments has still not been applied to my loan and I don't know where it is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is incorrect information on 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 explanation
Consumer complaint received 2023-10-04 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On today I called PNCs Customer Service # @ XXXX XXXX XXXX and they would not allow me to speak with a live customer. All it stated was leave a voicemail message and someone will call you back. I had spoken with an Executive Client Representative to whom appeared nervous and mumbling through his words and strangely gave me a hard time in verifying my account. These are nothing but harassment and retaliation tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I had internet services with XXXX at my home. Their costs kept going up without explanation and their late fees were too high! I am a Single working mother on XXXX and our insurance is XXXX. I found a much better deal with XXXX XXXX  and had them connect our internet on XX/XX/XXXX. The following day, I tried to call XXXX by phone to have it disconnected, but could not get through, so used their chat function. I told them I wanted it disconnected that day. The Customer Service Person kept trying to convince me to stay every time I said, " No, disconnect now, I already have a new provider. '' I had a feeling there was going to be a problem, so when they FINALLY agreed to disconnect, I took screen shots of the chat. I have attached them below. The Customer Service Agent said, OK, we will disconnect on XX/XX/XXXX, and prorate your bill. I don't know why they made me wait this long, probably because of their billing period. They also verified my email and phone number in the chat screen, proving it was my account. 

Unbeknownst to me, XXXX DID NOT close my Account, and continued charging me for 2 more months! They closed the account in XXXX due to " non-payment ''! This is now affecting my Credit Score, and it is not fair! I have asked XXXX Twice to look into this. I am going to send them documentation now and I also sent the collection agency the evidence I am attaching below. The first time was XXXX, XXXX, and they did not change anything. The 2nd time was today, XX/XX/XXXX, and I will be following up with written documentation and proof. 

I do not like XXXX. They are very pushy and untrustworthy. I only signed up with them initially because the previous owner where we lived had purchased the router so we wouldn't have to pay rental charges. With XXXX, there are no rental charges, so I am much better off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed a contract that stated that if I completed the school, I would owe {$5000.00} for the training or work for XXXX for XXXX paid solo miles and the debt would be forgiven. XXXX of the provisions was if I quit the school, I would owe the full {$5000.00}. HOWEVER, as per XXXX, if I am asked to leave I do not owe the debt. 

- XXXX. If we ask you to leave the program because you lack the necessary skills and end your employment during XXXX training or Phase XXXX - on-the-job training we will not seek repayment and the debt goes away. 

I had a XXXX XXXX when during training I attempted to turn, a car appeared out of nowhere, and I nearly hit it. I was asked to leave training after this. Per the contract I signed, that makes the entire debt invalid. I did NOT quit. I was asked to leave. 

Instead, XXXX continued to seek the debt, turning it over to Lockhart , Morris & Montgomery , Inc. for collections. Neither company has ever given me any paperwork stating I quit. There has been XXXX proof I violated the terms of the contract and voluntarily left. Whenever I ask for this, Lockhart , Morris & Montgomery , Inc. only sends me the contract which states I don't owe the debt because I was asked to leave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX on XX/XX/, 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 furbish 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/23 I scheduled a transfer from my Chase savings account to my XXXX savings account. This was the third scheduled transfer to that account in the last week. 
For the first two transfers, I received a text from Chase to verify the amount of the transfer and I replied " yes '' that I had requested the transfer through my online account. 
On XX/XX/23 at XXXX : For the third transaction I received a call from someone claiming to be from Chase fraud alert, wanting to verify my identity. They called my phone number but the caller ID was just the number XXXX. They asked me to give them a code that would be sent, but I asked how could I verify their identity before I gave them any code. They could not offer any way to verify their identity so I said I would call the Chase bank customer service line myself and verify the transaction. 
I called Chase customer service for this purpose and found that they had locked my account, canceled the transaction and removed the XXXX account from the transfer options. I wad very upset with this and pointed out the inconvenience to me the customer to have to redo all of the steps of registering the account and requesting the transfer again which would take several days. 
I pointed out that their process was flawed in that me as the consumer could not verify their identity from an incoming phone call. 
Due to this flaw, I was subjected to emotional upset and inconvenience while I waited on hold to talk to customer service, then be transferred to fraud unit only to learn I would lose time and potential interest earnings because of their actions. 
They need to fix their process, no wonder the criminals are tricking consumers.

Company response to consumer: Closed with explanation