vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
I paid {$19000.00} for the XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX using my American Express card through XXXX XXXX XX/XX/XXXX attaching the Contract that was executed on XX/XX/XXXX outlining the terms of the agreement. This indicated to me that I received a Contract for Services, including the 9-day cancellation clause. The vendor ( XXXX ) was very slow to respond immediately, which raised a few red flags for me. I submitted my cancellation and refund requests MULTIPLE times and the vendor has ignored them. I filed a dispute with American Express to no avail. 

I thought the cancellation clause offered plenty of protection in case they didnt deliver on the account setup promise, in addition to me paying with my American Express card. I thought I will have purchase protection. Unfortunately, this is not proving to be the case. The payment processor, XXXX, has indicated that the payor waives the right to any disputes, and they will not honor the terms of the contract with XXXX XXXX, even upon submission of all of the documentation that supports the company 's scam and fraudulent activities. I found numerous complaints filed with the XXXX from disgruntled clients who have fallen victim, all of which are unanswered and unresolved. In addition, I found a few others who fell victim. I was able to locate one of them who confirmed he in fact was scammed as well and that there were several others American Express has failed to uphold consumer protection as well, even after submitting all of the communication, proof of cancellation, and the contract due to XXXXXXXX XXXX position. 

I have complaints filed with the FTC and the FL Dept of Agriculture and Consumer Services and plan to contact the FL District Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AL

Complaint narrative:
I am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. 

XXXX XXXX : Acct # XXXX XXXX XXXX  : Acct # XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX THE FOLLOWING CREDIT INQUIRIES ARE FRAUDULENT DUE TO IDENTITY THEFT AND MUST BE REMOVED : XXXX XXXX XXXX  DEPARTMENT OF EDUCATION XXXXXXXX XXXX XXXX XXXX 'S XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, {$860.00} was withdrawn from an ATM without my knowledge out of my Chase savings account. I promptly filed a fraud complaint through Chase. On XX/XX/XXXX, Chase bank credited my account for {$860.00} while they investigated the fraud claim. On XX/XX/XXXX, Chase reversed the XX/XX/XXXX credits out of my account. I called Chase in order to inquire as to why the credits had been reversed. The Chase associate on the other end claimed the Chase investigation found no evidence of fraud, therefore refused to reimburse me for the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: AL

Complaint narrative:
I can't get paid my AL UC due to pending issue hault / error with direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: OK

Complaint narrative:
Money was stolen from my account while I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the bank is saying no error occured. I obviously had not done these charges I was XXXX XXXX XXXX in the hospital XXXX. I've sent documents to them showing I was in the hospital and all the times whoever took my money used many devices and changed the pin multiple times etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/XXXX - Letters sent to all XXXX bureaus. Follow up calls XXXX & XX/XX/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 2023-07-07 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn I was a victim of identity theft. I found numerous accounts on my credit report that weren't opened by me. This has been hurting me as I have been in the process of buying a home for my family. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
OnXX/XX/XXXX I noticed that my mortgage payment jumped from {$1600.00} to {$1900.00} and I was completely caught off guard. I logged online and only noticed statement headers, so I clicked on each one. InXX/XX/XXXX, First National Bank of Pennsylvania sent a notice stating that I had an Escrow shortage of {$1500.00} and it would be spread across 12 months. Normally, when there's an escrow shortage you have the option to pay. Being that my family is on a strict budget I do not want my monthly payments to be around {$1900.00}. When I called FNB, the representative said I could pay the shortage but my mortgage would still increase to about {$1700.00}. If there's an option to pay the escrow shortage, the customer should be clearly given the right to do so in the notification. Quite frankly, I missed the Escrow notification because it was titled " Statement '' in my online banking and was an oversight on my part. Notifications like this should be clearly expressed instead of hidden. Furthermore, I believe the Escrow analysis to be grossly inflated. My insurance from XXXX XXXX XXXX is paid in full and property taxes only increased by {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX falsely reported to Experian that they were a line of credit when they are not and did not issue me any line of credit. They falsely reported to Experian only, that they issued me a XXXX line of credit in which Experian falsely knew XXXX was not a line of credit, but just a checking account will a bill booster, and still XXXX knowingly posted the false information as a line of credit and added it to my existing credit balance and thereby denied me my proper utilization score by adding {$5300.00} falsely to my credit utilization score, falsely, by posting a falsely reported line of credit, as a line of credit, when XXXX is not a line of credit and is not a known Issuer of lines of credit. I contacted XXXX and they never responded back. I contacted Experian and they never responded back either.

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/XXXX I went to a concert, they scanned my ticket let us in. And as we got in they canceled the show. XXXX was not coming! 

I emailed them XX/XX/XXXX. No reply until XX/XX/XXXX. I was unable to attend the new date they set. 

Their refund policy states I am due a refund if the show is canceled. 

XXXX  on behalf of XXXX  XXXX. 
I've disputed this XXXX provides proof multiple times to capitol one. They refuse to give me my money back. Please help! 


Seetickets submitted files stating their refund policy, ( if a show is canceled or the date is changed a refund is permitted ). 

I also attached the email from XXXX  XXXX stating the venue date was changed due to cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKX INC.
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I attempted to withdraw my funds from OKCoin ( a XXXX XXXX licensed in the XXXX and based in XXXX XXXX ). I was unable to do so and received the following message after clicking " Withdraw '' on their website : " In accordance with the terms of service, we regret to inform you that we can not provide services for you. If you have any questions, please contact our customer support. '' I have since contacted customer support multiple times and they have not provided any solution. They initially said they issue was due to the fact that I was not fully " verified ''. I am now " Verified '', yet I continue to be unable to withdraw my funds. 

I have attempted to withdraw everyday since then, multiple times a day. I have also XXXX  the issue and see others have encountered the same problem. 

Would you kindly help me resolve this? We're not talking about a lot of money ( ~ {$3500.00} in value ), but it's mine, and I should be able to withdraw it. 

Many thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Ally received my final payoff for XXXX yesterday and now they are giving me a hard time releasing my vehicle because the managers are mad that I made a complaint with this company. I was told by a customer rep last night on the phone. I keep calling and they put me on hold till the phone is cut off.

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 2023-07-07 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: NV

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-07 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: NV

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from Exeter Finance for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted Exeter Finance and was advised that the loan was opened XX/XX/XXXX at a car lot in Kentucky. I advices them that I live in Georgia and on this date, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so it was impossible that I was in Kentucky at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from Exeter stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in Kentucky because I know for a fact I was in the hospital, and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and XXXX. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. XXXX refused. I called XXXX four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX call center- I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless Exeter removes the account XXXX will not be helping me. I also have a XXXX XXXX because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in XXXX does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXX ( badge # XXXX, XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX  to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number # XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least XXXX banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the XXXX for possible investigation into foreign money laundering. 

The XXXX person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within XXXX hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within XXXX minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the XXXX " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.

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 2023-07-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist I've contacted these companies several times still nothing no response just continue to violate my rights. 

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