vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MO

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, multiple complaints were submitted to the CFPB notifying them that Clarity Services is willfully refusing to comply with Title 15 U.S.C. Section 1681g ( a ) in that Clarity refuses to disclose the source of information found upon my consumer report. Clarity has removed the information from my consumer report since the XX/XX/XXXX complaint ; however, has not identified the source ( XXXX ) of the information identified by this consumer. After that XX/XX/XXXX complaint, a person identifying himself as a compliance XXXX with Clarity instructed this consumer to submit a written request, with authenticating documentation, to the XXXX XXXX XXXX for Clarity. This consumer did so, on multiple occasions. Clarity maintains its refusal to comply with the FCRA by refusing to disclose this information. This consumer has identified the following information and requested identification of the source ( XXXX ) of this information : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX and the phone number XXXX. This consumer has incurred direct out-of-pocket losses exceeding {$500.00}, direct loss of wages exceeding {$500.00}, and loss of wage-earning opportunities exceeding {$500.00}. Further, every response by Clarity does not address the subject of these complaints.

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 2023-02-19 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Our American Express is being billed multiple recurring charges for various streaming services we did not sign up for. Despite attempting to cancel directly with the merchant, they made it impossible- asking for account number, and when wed say we have no account number- theyd do nothing, so the recurring charges kept being billed. I contacted American Express, asking them to cancel the card and to ensure no more recurring charges would happen. I continued to see recurring charges. I contacted them XXXX times on this- and they continue not doing anything and essentially saying they will do nothing and Ill have to live with the recurring charges. This is not putting the consumer first. Their stance has been even if its a charge you never signed up for, were not going to ensure its not charged to you. Because despite cancelling the card- we continue getting billed recurring charges! Ive spoken to a supervisor there on about my fifth contact with them and continue to have XXXX resolution. Furthermore, I asked that a portion of my {$95.00} annual fee just paid in XXXX be refunded if I choose to cancel my American Express account altogether and they say they will not. So again, its consumer abuse as expectations in paying the {$95.00} fee is to have helpful customer services but despite reaching out to them XXXX times, they continue to do nothing. Thus- I should not pay {$95.00} for inadequate service or i wouldve signed up for a card with no fee if I knew the service would be non existent. If I cancel the card now, they should pro rate my annual fee and refund me. The {$95.00} is for an annual fee, not a XXXX month fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
TRANSFER TRANSFER TRANSFER The company that deserves to be shut down : Carrington Mortgage Services LLS XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX I first obtained a loan through XXXX. After only XXXX  months, my loan has been transferred to a new servicer the XXXX  time. And, this time, it has been a disaster. 

Once transferred to Carrington Mortgage, I immediately started calling and trying to settle their request for flood insurance. Because we own a condo, it is purchased and covered in our HOA payment. 

I wish I had tracked the number of times I called or emailed Carrington to explain this, but I did not. Nonetheless, each time I called, I was told it was resolved. 

Then, I would get another letter saying they had no record of flood insurance and that Carrington Mortgage would buy flood insurance on our behalf... what! Is this legal? 

As I explained many times through phone calls and emails and their online document upload process, our flood insurance is through our condo HOA! We do not buy it separately. Yet, they have chosen to charge us for another policy! Yikes! How does this happen after repeated attempts to fix it? Today, I also received a large check from Carrington that appears to be our escrow refunded, and they did not pay our real estate tax. 

It does not matter who I call there, I can not get anything resolved. Please help. 

Here is the information that might be needed to get this worthless company to fix our account : HOA company that can provide flood insurance policy information : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-19 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX find the following illegal chargeback from a sender who paid me the rental deposit of {$400.00} but filed a chargeback after a few months and she is still living in the apartment. Venmo continued the chargeback by taking the money away from my Venmo account to her account after I sent Venmo the lease agreement and all electronic communications with the sender who acknowledged in the communication that the chargeback was false. This made no sense and had no Customer protection at all since fraudulent chargeback can happen by anyone for any reason. I cant imagine that this can happen so easily for someone to steal money from us and there was no justice at all. 

Update on your Venmo case Dispute ID : XXXX Transaction amount : {$400.00} USD Disputed amount : {$400.00} USD Transaction date : XX/XX/2022 Sender name : XXXX XXXX XXXX XXXX of your senders opened a case for this transaction. This means the sender has asked their financial institution to reverse the money for this transaction. We want to help you, and we are disputing this case with your senders financial institution. 
Because of the following reason ( s ) : This transaction was not marked as eligible for Purchase Protection. 
an amount of {$400.00} USD has been debited from your Venmo account during case filing and you will not be debited again. 
We understand that you may not have been expecting this chargeback. If this debit has caused your Venmo account to go negative, please log in to your Venmo account and add money to your account by visiting venmo.com/addfunds. 
If the financial institution decides the case in your favor, we'll notify you when the payment is returned to your Venmo account. 
We'll email you if we need any further information from you. 
Thank you for using Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please update all of my personal information on my credit report for each bureau : XXXX, XXXX, and TransUnion My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX  There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please update all of my personal information on my credit report for each bureau : XXXX, Experian, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2023-02-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have sent XXXX letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
On Friday, XX/XX/18, Grain sent a notification to customers about a new terms of service. They proceeded to say if the new terms were not accepted by Tuesday, wed be subject to higher fees. 

I read over the document but would like additional time to get a legal consult before accepting. Forcing customers to accept new terms over a holiday weekend should not be legal. 

I reached out to Grain via the email listed on the document ( XXXX ) and it is NOT a valid address. 

I found a way to open a support request via their website, XXXX, but was not provided with a valid response to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On XXXX I sent my dispute letters to the debt collection companies and I still haven't heard anything from you. 
XXXXYou have violated my rights Under Section Section 609 ( a ) ( 1 ) ( a ) they are required to provide me a contract with my signature on it. You haven't provided me with anything, which is illegal. 
XXXXUnder 15 USC 1692 ( a ) You were to notify me in 5 days after their intinial communication. I haven't heard from them at all which is in violation of this law 3. Under 15 USC 1692 ( e ) You have been fasely representing the legal status of debt which is out of statue of limitations and they can legally collect. 

A copy of this will be CC to FTC XXXX  ATTORNEY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
Landlord created an eviction proceeding in retaliation of complaints about face masks not being worn by building employees and staff after they summoned necessary interaction during the XXXX mask mandate period. Victim/tenant tried to pay rent in month that followed and landlord refused. 

In Court for the unit, the landlord attempted to make a fair use claim, but was ordered by the Judge to wait until the Court cleared the XXXX ( anti retaliation claim ) by the tenant. 

Instead of waiting for the Court to decide on the action and collect fair use through the Court, the unscrupulous landlord continued to harass, retaliate, constructively evict and then tried to make their own debt amount, including lawyer 's fees the court did not award, a claim on tenants ' credit reports via Genesis Credit Collection agency by way of an agent named XXXX XXXX. 

The agency called family members of tenants and described to them the amount and debt type owned disclosing details of a debt that didn't exist. They called non-stop several times a day over several weeks. This collection agency already had complaints against it and restarted under a new name. The original claimed debtor is XXXX XXXX XXXX, XXXX. 

They have made up a fictitious debt amount of {$23000.00} and are adding fictitious missed payment amounts each month. 

The holdover proceeding still pending is available in the XXXX housing court records on XXXX as " XXXX XXXX XXXX XXXX XXXX  ''. 

My name is XXXX XXXX and the other person they are victimizing is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-19 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I did the real-time transfer of {$1000.00} from chase bank XXXX XXXX XXXX Bank XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX. I followed up from both banks as my money should have been available on the same day, but both banks were blaming each other. 

Chase claimed funds are already deducted at their end, and XXXX is keeping it on hold. 

XXXX claimed they are receiving bank and have no role in this transfer. 

I was following up daily with both banks and they were not providing me with any details, like the final transaction number. How many banks are involved in between? 

I received the money in XXXX XXXX Bank on XXXX XXXX at XXXX XXXX XXXX. 

Even after that, both banks have provided no reason where my money was for all this time who was holding it up, and why it was held up. I went through so much mental trauma because of this. At XXXX point I left the hope that I will receive my funds ever. 

I will need your help to know the reason I had to go through this whole mental trauma, why the bank was hiding the complete details, and in this kind of situation why the customer needs to follow up, isn't it the sender 's bank ( Chase ) responsibility to ensure the safe transfer of funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent 2 letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.

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