vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: Lending Club Corp
State: GA

Complaint narrative:
Dear CFPB I am contacting you with regards to Lending Club that is reporting on my credit reports that I have no known knowledge of and was included in my fraud case back in 2019. I have contacted them on several occasions and I keep being told the same thing that they " DO NOT '' have any information and the account is gone or they can't find anything. Well the issue that I am having is that on my credit reports it is being reported by the company Lending Club and noone else. XXXX each and every time seems to be able to contact them and say it is valid. 

I would like to know how is the account valid when they tell me they have no information and it's reflecting on my report by them. I have been going back and forth with XXXX and Lending Club the furnisher about this and it's time they fix it. The business practice between the tow is unethical and unfair and as a consumer who has been trying to fix this proving FTC Affidavit and XXXX Police reports need this to be handled once and for all. 

What Lending Club continues to ignore is the fact that it's their company that is reflecting on my report and they are the ones who must take if off. It states transferred, well to who doesn't matter who has this erroneous account Lending Club is showing to be the one reporting. How is XXXX validating this erroneous information leaves me confused. Per 623 of the FCRA the furnisher states that a furnisher must not report inaccurate consumer information Also per 623 ( a ) ( 2 ) when any furnisher has been notified that a consumer is a victim of identity theft, the furnisher may not sell, transfer or trade for collection of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Both my credit card from Chase ( XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card ) charged me a late fee of {$28.00} for each card. The due date which is XX/XX/XXXX fell on a Sunday which isn't a business day for the bank. I paid my payment today which is XX/XX/XXXX, a Monday, and Chase wouldn't reverse the late fees. 

I believe the late fee is assessed wrong but when I reached out to Chase they told me that the due date is the due date, no exceptions. Under CFPB legislation I believe the consumer has the next business day to pay the due date without being penalized for the late fee. 

I hope this complaint will fix the wrong assessment of Chase and I'm sure Im not the only one that is being wrongfully assessed the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After trying to access my online bank acc.at Chase bank I was told it was blocked then after I had it unblocked I was informed my checking acc. was being closed after several phone calls to the bank i got different answers to what was wrong everytime after a personal visit to a branch office i was told they already began to close my acc.and was not not giving a specific answer to as why it happened now I'm not going to be able to open another acc. any where this is very unfair as I have not done anything that has caused anyone any harm.I rate Chase bank on a scale from 1 - 10 a big fat zero! I have suffered mental anguish and feel as if I have been badly mistreated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: WI

Complaint narrative:
I had traveled to illinois to buy a couch that allows my XXXX dungther to sit up and down on her on. This was a second hand purchase so the sell requested to be paid in cash. Once l got there.I tried to transfer the funds from my Credit karma savings account to my credit karma spending account to get cash out. I was unable to do it because I had already made six withdrawals per the Fed Reg D. I Was under the Impression the Fed Reserve had removed the requirment in XX/XX/2020, because my other bank allows as many as needed. oAfter looking into it I am still not seeing it has been reinstated. After I noticed the issue I called credit karma to find a solution to the problem and was told I had two options 1. ) wait until next month, which is not a possible option for me at this time or 2. ) Close the account and have the funds transferred to my spending account. I chose this option and was told by the rep that had been sent to the department to close the account and to watch my emails and then it would be done soon. I waited a half hour and still nothing it happened, so I called back and What is informed it would take about 2 to 3 hours, I was frustrated but there was nothing I could do about it so explain to the person I was buying the couch from and told him I would just wait in town for the couple hours, after waiting three hours still nothing I called back again and was told they could see it had been transferred and it would be any minute and not to worry. I was worried at this point because the only card I had with me was the Credit Karma card. I had to tell the lady I was not going to be able to purchase the couch so I was out my deposit and I was also out the money for the XXXX that I had rented. Not only that but because I had been waiting for so long my wife had no way of getting me any money considering I couldnt use my money that was on the card. I had to sleep in my car without any money for food or gas overnight. I replied to the email that the customer service representative had told me to reply to which wasnt an email I received after I called the very first time that said they were working on my issue. I got no reply I still havent. I finally decided to file a complaint with the company Credit Karma and shortly after I sent it I received in reply stating they were working on it. I am extremely frustrated and feel that this company is extremely out of line and should not be able to hold your funds. I might be misinformed about regulation D and maybe it has been reinstated, but even if that is the case I chose to have the account closed that should not be something that takes them three days to do especially after I had countless employees give me different timelines. Someone needs to provide answers and I need to be able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Have called numerous times American Express serve card customer service always puts me on hold and no one has returned my emails or answers my calls while on hold some days I have been on hold longer than an hour

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am unaware of this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: PR

Complaint narrative:
This is a complaint against timeshare XXXX XXXX. We've worked with several people, Manager is XXXX and Representative XXXX # XXXX XXXX, Lawyer XXXX XXXX XXXX. They told us that we were making a good financial investment. I've never used this timeshare, I had it scheduled for XXXX until I find out they lied by promising me verbally that they're going to help selling the timeshare. They also told me XXXX, was going to put persons under my commission to earn points and benefits which is not proper. When I went they were under construction and it was going to be a mortgage inversion and I could cash out whenever I wanted. They also promised rental income, that market value is going up. They said resale value would go up and due to the place was under construction that I bought in perfect timing. They said I will make money from this if I decide to sell it as the resale value would go up and that they would help me to get out of the process for sure. Regarding maintenance fee, they told us the price wasn't going up, that it could be lower with more owners. They promised us things would be positively different each time things got worse because nothing they promised is in the contract. We were also told that it had some tax benefits similar to owning a second home which they used to coerce me to get this timeshare. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered gifts like a gold member card, 3 days and 4 nights for free, that they will help me get referral points. We were never able to use them because they scammed us. They have our ID and personal information during the process. They did not allow us to read the contract, everything said was verbally, the only thing they showed me the contract was to sign. They never gave me a copy of the contract, they only gave us the purchase agreement. We didn't know how to cancel, we were never properly educated on the cancellation process. They just told us they're going to find the buyers and I don't have anything to be worried about. We tried to call but no help was received, until we realized, it's already too late to cancel. We're having financial difficulties because of this, we're not even having profits from it as they promised. I'm having relation stress with my wife wanted to leave me because of the situation. I'm not able to concentrate in my work with all the lies they told me. I even lose sleep over the stress of the timeshare. We were highly pressured with their sales tactics, worst thing is I don't have physical proof, they didn't even give us a copy of the contract. I felt sure because of the lawyer present during that time but we were simply defrauded, we were lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I've recently noticed through an email that I have a Serve American Express prepaid debit card in my name. The problem is I've NEVER signed up for a prepaid debit card EVER! So I'm trying to understand how there is a card in my name. The email I received said that my account statement is now available. I tried to see the statement to see what all kind of purchsces has been made but it requires a username & password that I do not have due to the fact that I'm not the one who opened the account. So that mean someone has applied for a prepaid debit card with my name & I'm TERRIFIED! I received the email on the XXXX of XX/XX/2022 which was approximately 2 weeks ago. I need answers on how this happened & what I can do to fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX is collecting a debt, That was repeatedly trying to cancel. 
Now they have XXXX collection agency, collecting a debt, with an amount different of was supposibly owed. 
The e mail I sent to XXXX, cancelling the membership, address to e mail, was taking from their website, was ignored, never got an answer.regarding my cancellation attend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My COVID-19 loan forbearance ended and I applied for a loan modification through my existing lender XXXXPHH Mortgage and supplied all documentation including PDF 's of my paystubs via email on XX/XX/2022 and an updated application on XX/XX/2022 with the paystubs as a separate PDF 's downloaded directly from my US Government employer. 

I followed up with calling XXXX and was told they were not able to read my paystubs as they are " blurry. '' I resubmitted my full application and paystubs again on XX/XX/2022 and via fax XX/XX/2022. Each time I was told the same information, but now they could read one of the paystubs yet needed another as one was blurry.

I spoke with various Ne I received a letter from XXXX dated XX/XX/2022 stating my application for modification was closed due to me not submitting my paystubs. 

I have called XXXX numerous times and am at wits end since I copied myself on each email to them and can read ALL attachments clearly on my phone, home and work computer. I really feel like XXXX is creating imaginary hoops for me to jump through and want to foreclose on my property. 

I called XXXX today and was told I would have to file a new application but I requested they reopen the application. I am awaiting a supervisor to call me to tomorrow regarding this as no supervisor 's were available at the time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS sent me a letter stating that I owed for three medical accounts in which I had no knowledge of on XXXX. The letter stated I had until XXXX to request verfication/validation of debt. I responded via cerified letter which was recieved by ARS on XXXX. I then recieved a response back with no other information other than the account number and balance which was in the orginal letter sent to me. I responded back to that letter, via certified which was recieved by ARS on XXXX requesting additional information regarding this debt no just account number and balance with no other details which I originally requested in the letter sent to them on XXXX. Instead of responding, ARS placed these accounts on my credit file. This is clear violations of my consumer rights and ARS didn't respond to my letter giving me the information I needed to validate debt.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian has my credit score blocked and after a month trying to contact them they give me miss information every single time and nobody knows why is getting blocked. My broker is unable to get in and see my credit report so I am about to lose a house I'm trying to buy because they can't give me a straight answer. They also refuse to transfer me to a supervisor. They offer call backs from supervisors that never happen. They have terrible customer service. One whole month and stay an unmeasurable amount of calls nothing!

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 2022-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX XXXX from my cash app debit card. The transaction was cancelled and XXXX refunded the money back to my debit card. They provided me proof of the transaction. As of today, XX/XX/XXXX Cash App.has not returned my money. They first told me I had to wait 10 days. I called back in 10 days and they told me I had to wait 14 days. At 14 days they said I had to open a case. I did that. On XX/XX/XXXX they told me I had to wait 45 days. They owe me a total if {$350.00}. XXXX provided transaction info. I am getting the run around from Cash App and nothing is happening. If I email back in Case no one responds. If I call, they say I have to talk to people handling case. They will have them call. This never happens. Contacting you is my last resort before I file suit on Cash App. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH 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 2022-03-07 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: IL

Complaint narrative:
I have sent two letters one in XX/XX/XXXX and the follow up in XXXX of XXXX to XXXX and Equifax to remove addresses that do not belong to me. 
As well as unauthorized inquiries. 

XXXX let someone change my primary address to a New York address that I have NEVER lived in. I XXXX the address it is a building with business. 

Equifax is listing apartments, which Ive never lived in an apartment, address that are associated with former employers and addresses that belong to deceased family members. 

This is absolutely an FCRA VIOLATION and is a potential fraud/identity theft issue. 

Ive included letters that I sent to BOTH credit reporting agencies and have received no response from either. I included my drivers license as well as a utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NV

Complaint narrative:
Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers

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 2022-03-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.

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