vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the service I received during my stay at the XXXX XXXX XXXX., I made a reservation for XXXX, XXXX and XXXX Unfortunately, I had to cancel my reservation, but I was charged for the room anyway. Furthermore, I noticed that my signature was on receipts that were not mine, and I was not satisfied with the service I received during my stay. I have documentation that stats cancel and the bank refuse to honor that stating that no error was made .I have send in over the amount documents need to fix this problem. One manager saw the error and corrected it and the next day the claim was reverse. I had permeant credit on some the came back and reverse all those and debit my account. I told them I have been a victim of identity theft they spoke to me so rude The did not honor no claim when I had all the supporting documents there. The talk down to me and belittle, me the reverse everything even the one that had permeant credit I have been asking them to speak with someone to go over the claims one by one they say that they can not help me. I am very dissatisfied with the service I received from the XXXX bank. On how the handle me with my fraudulent transaction on my debit card and requested a refund. However, my claim was denied, and I was informed that the transaction was authorized. I strongly disagree with this decision and believe that I am entitled to a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I went online to XXXX, and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!

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 2023-11-20 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: IA

Complaint narrative:
I went online to XXXX, and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: IA

Complaint narrative:
I went online to XXXX and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!

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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I noticed that I had a collections account pop up on my report. I was confused as to where it came from. About a week or so later, I get a letter from Credit Collection Services stating I owe XXXX. I called and spoke with XXXX XXXX and I requested validation, wet ink signatures on contract obligating me to any debt and the agreement that I have with the company to pay them as I had never heard of them prior to seeing them on my report. Informed him that that was identity theft and I needed all credit reporting to cease and desist and I needed all information requested to be sent to my address. I received another letter in the mail but it only had the final balance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
Please consider this as my formal complaint to the LOCAL FINANCE COMPANY for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on 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 2023-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
I enrolled for a one-month personal training program at XXXXXXXX XXXX XXXXXXXX and paid for the month in advance. However, they contacted me insisting that I signed up for a XXXX package, which I never agreed to. Despite my attempts to dispute this with the company, they refused to listen and sent the supposed debt of {$2400.00} to collections. Unfortunately, the collections agency has been unresponsive to my dispute and has resorted to harassing me through phone calls and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax, XXXX, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX, XXXX, Experian, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT

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 2023-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr Cooper took the required three " trial '' payments after accepting my Loan Modification, sent me a first regular payment due date and amount. I tried to pay it early and they said the modification papers hadn't come through yet. And to pay it at the due date so they'd have time to get the papers. I paid the payment ( XXXX ) on time as well as on time payments for XXXX and XXXX. The account has been transferred to XXXX XXXX and on two occasions I've gone thru this whole thing with their representatives. They've sent me a " you're 90 days late so we're declaring you in default and accelerating your loan ''. XXXX says it's under review but they won't take my XXXX payment. I've sent explanatory letters to the XXXX on all these facts and the reply they sent was dated XXXX but the records showed no payments since XXXX they also provided me with an advisor to work things out and the number given was for a fax machine. Please, someone jump on this as they've threatened forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2023, I initiated a payment through Venmo to XXXX XXXX, totaling {$58.00}, for the purchase of a pair of sneakers from a XXXX company with positive online reviews. Despite the promising reviews, I never received the ordered goods. On XX/XX/2023, I engaged in a conversation with a Venmo representative, requesting assistance in opening a dispute. Prior attempts to contact the company through their online form had yielded no response, neither in terms of communication nor the delivery of the purchased items. Subsequently, a Venmo representative reached out to me via email on XX/XX/2023, seeking additional details. 
They asked for evidence of my communication with the company. However, since the company only accepts communication through an online form and I received no response, I couldn't provide the requested information. Consequently, the dispute was denied, as stated in their recent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: NY

Complaint narrative:
I sent my letter off dated XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies as well as, their deliberate intentions of continuing to tarnish my credit report to 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 2023-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Creditor Name : Att U verse inquiry XX/XX/XXXX debt {$330.00} Reason : this inquiry was made without my knowledge or consent

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 2023-11-20 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
there are hard inquiries on my account that was not authorized by me. i didnt give these comapnies permission to run 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 explanation
Consumer complaint received 2023-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
there are hard inquiries on my account that was not authorized by me. i didnt give these comapnies permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To the CFPB I'm submitting this complaint against Chase Bank NA, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX  This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at Chase Bank. I need a full investigation on my behalf. I'm over 55 years of age and considered a senior citizen. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that Chase Bank closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account. 
1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from__________ to?

6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # ___________________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have a bank account with chime with XXXX and I was forcefully locked out of my account without any notice or warning. I just opened my account 6 days ago and was waiting for my debit card. I inithad over XXXX in my account and another XXXX from my prize pics winnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously disputed inaccurate information on my Credit Report with Experian and XXXX XXXX XXXX XXXX Last Month I filed a compliant with CFPB against, XXXX and the 3 credit bureau 's. 
In my compliant, I addressed the fact my credit reports indicated I had made late payments to XXXX XXXX XXXX XXXX. 
XXXX acknowledged I had made NO late payments. I had received updated Credit Reports, but not from Experian, so on XX/XX/2023 I went into my online Experian account to see what updates they had made on my Credit Report. Experian did make update and added into the Status " Never Late '', but above that in Bold Red Writing it reads " Potentially Negative ''. 
On my online account in Experian, they provided me a report # and Phone # if I wanted to discuss things further. On XX/XX/2023, I called and provide the report # and was transferred to the dispute dept. The person I spoke with had no record that I filed a compliant with CFPB, I asked how/why they would have updated my credit report, she replied they received something from XXXX and they contacted them directly. I said, if you updated my account to read Never late, why would the statement Potentially Negative show in Red on my Credit Report, and I also asked why on my Experian Online Account it still shows Late Payments of XXXX days & XXXX + days and in another area it shows Serious delinquency? She wasn't able to answer these questions.

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 2023-11-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The card doesn't work in any common online vendors such as XXXX, XXXX, and XXXX. A XXXX cent processing fee still appeared to have gone through but the card was rejected regardless. American Express website won't display the balance of my card unless I click on the original gift card link sent to me from my company. 

This should be considered a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation