vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Sent alleged debt to a local debt collector and was never notified of debt. Called after the left they left fake court papers at my brother 's house with little to no information. Called and spent days to try and get the information on the debt to find out it was an account that had charges that were not mine on it and disputed with original creditor as fraudulent charges and I thought was taken care of to find out this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WV

Complaint narrative:
I had an account with Chime Financial, the online banking site. On XX/XX/2022 my credit builder account was hacked, depleting my credit builder account of its funds. On Sunday morning, XX/XX/XXXX the funds were back in the account but on that evening I was hacked again. 

On Thursday morning, XX/XX/XXXX, XXXX XXXX, I received an email from Chime informing me that they were immediately closing my account for " non-compliance '' of their XXXX and they were not going to refund the balance of my account. 

With no prior warning this left me in the position of having no bank account and no funds to open a new one elsewhere. 

What is most distressing is that the money they are holding XXXX is a direct deposit of my Social Security payment for the month of XXXXXXXX XXXX I live on a fixed income and am dependent on this money for rent, car payments and other necessary bills. My creditors have been understanding with my situation but it has been extremely stressful and put me in an unfortunate and unnecessary burden financially. I am currently undergoing treatment for XXXXXXXX XXXX XXXXXXXX XXXX and this money is necessary to help pay for travel expenses to Ohio. I am in a dire situation and Chime is unwilling to return my funds. 

They will not tell me what non-compliance i am in violation of nor have they made any effort to release my money. It is my understanding that it is against the law for them to hold a federal check or a direct deposit. Many phone calls to member services have been fruitless and i am given the runaround and told that my issue will be expedited and that it takes about a month to release my funds. As of XX/XX/XXXX I do not have my Social Security check for XX/XX/2022 and they will not tell me what I did for them to close my account without due notice nor are they going to return my funds. 

I am desperate for help. I would appreciate any assistance you can give me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi, need help please and thank you for what you do! American Express charged me a late fee and triggered penalty APR on a Sunday, XXXX, XXXX, XXXX. Previously, Amex sent me a bunch of emails, statement notices, etc on the offer for Plan it, so I took advantage of their Plan it promotions for like 4 %. But, Ouch! On that Sunday, APR went to 21 %, with notice of pending 29 % penalty rate on the $ XXXX Plan It balance I owed. I saw the late fee when i paid my bill on Monday, XX/XX/XXXX, but didnt connect at the time the penalty APR. It was buried in my monthly statement received weeks later. So, please first ... is Sunday a biz day per Reg Z for credit card companies? Amex told me they were open and too bad so sad on the penalty APR. Why wouldn't credit cards be like my mortgage if due date lands on a Sunday or non biz day it rolls to next biz day? Credit cards cant receive my written correspondence from XXXX mail on a Sunday, so how can it count as a biz day? Second one please .... whats the scoop on Amex needing to tell me penalty APR triggered? I barely saw it because of the interest charge and it was weeks later when i went to pay again. i get many Amex promotional emails but no email on this event. Just all feels bait and switch, gotcha predatory garbage. Glad you exist, thank you. Holler if you need me, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am XXXX XXXX and I am reporting this on my own behalf. XXXX, XXXX, and Equifax are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Sent alleged debt to a local debt collector and was never notified of debt. Called after the left they left fake court papers at my brother 's house with little to no information. Called and spent days to try and get the information on the debt to find out it was an account that had charges that were not mine on it and disputed with original creditor as fraudulent charges and I thought was taken care of to find out this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: FL

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below me XXXX XXXX XXXX Account number XXXX Items Highy Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The Valid documentation used to validate the dispute. 
Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these

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 2023-01-04 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: TX

Complaint narrative:
The company ran my credit report without my permission for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield & Associates sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 


I XXXX XXXX had NO transactions completed between me and Wakefield & Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. 

I am excising right to rescind due to this companies negligence, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$1400.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ XXXX ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ XXXX ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TX

Complaint narrative:
I have several hard inquiries that were not me Id like to get rid of by the companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had utilized an offer to pay {$0.00} fees and interest when opening my first installment plan on my Chase Freedom Unlimited card through a My Chase Plan. I had opened the installment plan on XX/XX/XXXX and the offer was advertised as valid for any plans opened by XX/XX/XXXX, which was confirmed by a Chase representative at the time. However, Chase has added fees to this plan regardless and Chase reps are now claiming that the offer was not valid and confirmation that it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I APPLY FOR ASSISTANCE THEY APPROVE ME FOR REPAYMENT PLAN. I CANT AFFORD IT AT THIS TIME, I TRIED BARROWING FUNDS TO PAY BUT DIDNT COME THRU.I ASK THEN TO SEE IF THEY CAN DEFFERD PAYMENTS BEHIND THE LOAN. 
TEY SAID NO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I paid my lasXXXX XXXX XXXX Bill only to be sent a collection notice from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Missed LATE Payments last reported {$960.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX late payments last reported {$590.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXX XXXX XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} XXXX owe them that's in collections they are not the original creditors. 

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 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 XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Missed LATE Payments last reported {$960.00} XX/XX/ XXXX XXXX XXXX XXXX XXXXXXXX late payments last reported {$590.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX  Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXX XXXX  XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} XXXX owe them that's in collections they are not the original creditors. 

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 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 XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-01-04 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: CA

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am XXXX XXXX and I am reporting this on my own behalf. XXXX, Transunion, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am XXXX XXXX and I am reporting this on my own behalf. Experian, XXXX, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.

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