vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover randomly decided they wanted me to sign a form 4506-c to give them consent to verify my income from the IRS. I was first contacted by Discover about it this morning. They apparently put a freeze on my credit card this morning as well making it unusable for any purpose. I digitally signed their form as requested, but they have not removed the freeze from my card. I found this very unprofessional! They could cause someone financial distress or cause someone to be stranded out of fuel somewhere if they relied on their discover credit card for such a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I had XXXX for TV Phone and Internet. I was continuously lied to when my bill would inrease a significant amount. I am a XXXXyo widow on a fixed income. This last time I explained I could not afford the increases. I just wanted a plan that would stay at or below {$120.00}. They talk you in circles! I removed all the serices i could like phone, DVR, high speed internet to get it to where I could afford it. I also had to be on automatic payment to receive the {$5.00} discount. I explicitly told them I did not want a promotion that was going to change. I was on the phone with them for well over an hour ( called to cancel ) was sent to retention after and hour with customer service. After three months I received a Bill in XXXX for the services or XXXX XXXX - XX/XX/XXXX. It was already paid because it was automaticic. The bill had gone up over {$50.00}. I immediately contactded them to cancel my service they tried again to talk to me in circles, I was physically ill aft this. I told the to canel my serviice as of XXXX because I had already paid for that time. I had my son come and disconect the equipment and I returned everything on XX/XX/XXXX. The XXXX was a Friday and my son couldn't come until Monday. I returned them first thing Tuesday morning. After a week or so I received a bill for XXXX. Charging me into XXXX. When I call to tell them that I canceled my service as of XX/XX/year> they said I didn't but the bill shows the return of all the equipment. There is no way I could use their service with no equipment. Right after I call them they sent it to collections. So when I called back they wouldn't talke to me because they said it was in colletctions. I talked to the collections company and sent them my previous bills and also Where I paid and returned the equipment. They sent me a letter saying that XXXX says I owe it because I used it in XXXX. The invoice clearly states the billing period and XXXX clearly states that they charge a month in advance. I do not owe them anything. I am at a loss and no one will help me. The collection company keeps calling and sending text messages. Please help me they are making me ill!

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LvXXXXv funding llc closed the debt account but yet its still on my record. Maybe its in process?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-01 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: IL

Complaint narrative:
On XXXX, XXXX, I mistakenly sent a payment in the amount of {$580.00} to American Express ; I hit the wrong vendor on my online banking bill pay at my Bank. I immediately attempted to stop payment, but payment was via XXXX and could not be reversed, even though the system sends physical checks to all other vendors. I reached out to AmEx customer service and explained, and they said I would be issued a refund check in 10 days. I then received a letter from American Express errantly describing the transaction as a fraudulent charge and request for a charge reversal of {$580.00}. It was neither a fraudulent charge reversal nor {$580.00}. It was an errant payment in the amount of {$580.00}. American Express allocated my payment internally as a credit on an account. There is no account, as it was closed in XXXX and I can not get them to refund my payment they are wrongfully converted to their own use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I send a XXXX $ wire to XXXX XXXX XXXXXX/XX/year> to XXXX XXXX from my Citi bank checking account to make a trade I was scammed by XXXX XXXX I try getting my money back and they keep giving me empty responses I made a recall for the XXXX $ on XX/XX/year> my bank which is Citi bank made a horrible mistake and recalled XXXX XXXX but the wrong bank than we finally fix that and customer bank would not respond to my bank I put out a fraud investigation with XXXX XXXX fraud team and they didnt help 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XXXX, i sent transunion, XXXX, and XXXX more letters requesting the inaccurate information they are reporting on my credit report that is in violation of 15 usc 1681e ( b ) and needs to be deleted and i will attach a copy of my credit reports outlines the inaccurate information reporting. 

see attachments

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 2024-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One Auto is engaging in unfair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit bureau is reporting late payments on account with ASSOCIATED XXXX XXXX XXXX and I believe it violates FCRA laws such as 15 USC 1681 Sec 602 states I have a right to privacy, 15 USC 1681 Sec 604a Sec 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Again, this account has violated these above 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXXi realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXXXXXX XXXX unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.

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 2024-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
JUST REVIEWED MY CONSUMER REPORT WITH EXPERIAN XXXX NAME VARIATION AND NOTICE THAT THERE IS A NON- MAILABLE ADDRESS BEING REPORTED ALSO CREDIT BALANCES, TRANSCTIONS ARE REPORTING, CHARGE OFF BALANCES XXXXXXXX XXXX IS REPORTING LATE PAYMENTS WORLD FINANCE IS REPORTING MULTIPLE ACCOUNTS A TOTAL OF XXXX ( XXXX ACCOUNTS ) THAT WHICH ARE IN GOOD STANDING. AND XXXX ACCOUNT WHICH SETTLED FOR {$130.00} .AND ITS REPORTING THAT THE BALANCE IS {$300.00}. 

XXXXXXXX XXXX XXXX XXXX CHARGED OFF THE ACCT IN XXXX AND NOW HAVE UPDATED THE BALANCE AND THE STATUS OF THE ACCOUNT AS XX/XX/XXXX ( COPY AND PASTED FROM CONCUMSER REPORT ) Account charged off. {$590.00} written off. {$590.00} past due as of XXXX XXXX. 
THIS ACCOUNT WAS SOLD TO XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A XXXX PARTY DEBT COLLECTOR- WHOM PURCHASED CREDIT CARD DEBT FROM XXXX XXXX XXXX. ( IM DISPUTING THAT I OWE ANYTHING TO THIS XXXX PARTY CMPANY ) XXXX XXXX IS A XXXX PARTY DEBT COLELCTOR - WHOM I HAVE NO CONTRACT WITH ( DISPUTING ) I HAVE XXXX INQUIRIES LISTED AS WELL XXXX XXXX XXXX XXXX XXXXXXXX - APPEARS THERE IS A {$14.00} BALANCE SHOWING AND UPDATE STATUS

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 2024-05-01 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: SC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To whom it may concern, The terms and conditions for my American Express XXXX XXXX XXXX account opened XX/XX/2024 with the promotion states " 0 % intro APR on balance transfers for the first 15 months of Card Membership from the date of account opening, based on your creditworthiness and other factors. '' I have XXXX cards including the XXXX XXXX XXXX card with American Express and they are all in good standing. I have never had a XXXX XXXX XXXX XXXX before. On XX/XX/2024 I made a balance transfer, which fell in the 60 days promotion offer agreement. On XX/XX/2024 I was charged {$56.00} in Interests charges. This came as a surprise since the promotion dealsays 0 % intro APR for 15 months and I also received different explanations from AmEX representatives after inquiry on the interest charges. 
On XX/XX/2024, an AMEX rep told me I received the interest charges because the promotion was only for a lower interests rate on balance transfers. Which was never stated in the advertisement or the terms and conditions. When I reached out XX/XX/2024 I was told that I was not eligible for the promo because I am already an AMEX card holder ( GOLD and PLATINUM ). When I asked for documentation on the justification, the rep could not send it to me and told me where to find it. I was not able to locate the information that refutes the 0 % intro fee does not apply to card holders. The only information I could find is " You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the XXXX XXXX  Card, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Card or previous versions of these Cards .... If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application. '' I have never had the XXXX XXXX card or anything similar in the past and I never received a notification while submitting an application. I would not have submitted my application if I received notification of ineligibility. 
Ultimately, I am disappointed with AMEX for misleading its current and new customers. The advertisement is a blatant lie, and no one can give me a straight answer or provide documentation on why I am paying interest on a promotion deal stating 0 % interests on terms and conditions for customers that never had the American Express XXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am engaged in a purchasing contract that would include the assumption of the seller 's current FHA Loan. Over a month into the contract, the mortgage company has claimed the loan isn't assumable as the current owners were late on a mortgage payment in the last 12 months. After acquiring copies of the current owner 's closing documents ( mortgage contract ), confirmed the contract contains no disclosures regarding lender applied assumption terms of any kind, including XXXX where a late payment would disqualify the loan from assumption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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