vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022 I went to a place called XXXX XXXX XXXX where I used my Discover card to purchase a procedure called XXXXXXXX XXXX XXXX XXXX. I went to see my doctors to make sure that this procedure would be appropriate for my age and physical well being. At the advise of my doctors due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have explained this to the Discover Card XXXX and to XXXX XXXX only to be told they would not return the {$1000.00} I placed on my XXXX  for this procedure. I have been disputing this for almost a year now and have given them proof of all that will XXXX XXXX XXXX XXXX XXXX XXXX 

I have been patient in this dispute and have paid Discover Card for this horrible experience. I need them to return {$1000.00} back to my Discover card and assume that the procedure was never done and due to medical reason the item in question has been a terrible misfortune and through the XXXX XXXX could not be done as it would be a violation of my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-20 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2022-12-20 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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet home lending is reporting a late in XX/XX/2022, but this account has been paid off now sure why they would report this account as negative this month. I tried disputing this but nothing has been fixed. It took a hard hit on my credit score. According the the FCRA it is a violation to report inaccurate information and could be fined up to {$1000.00}. Could you please investigation for me? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX & EXPERIAN The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXXXXXX XXXX XXXX Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : XXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, On XX/XX/2022, I visited Chase bank on XXXX, XXXX, IL for a transfer from my saving account to the checking. 

A red overdraft fee mention displaying on my screen at home prevented me from doing at home online. 

After I informed the cashier that I did not do it online in order to avoid the overdraft fee, and requested him to transfer money from my saving to the checking, he did not tell me, after I transferred {$1000.00} to my checking account, keeping only {$5.00} on my saving account should trigger non sufficient fee of {$5.00}. 

Days later, the remaining {$5.00} were taken for " Savings withdrawal limit fee '', leaving my account at {$0.00}. 

Days later, I requested one of the manager to explain and refund the {$5.00} taken, he told me that fee is written in the papers they gave me when I opened that account, more than 10 years ago. 

I tried to avoid any overdraft fees by not doing it on my own at home, but the agent who served me on XX/XX/2022, aware of my concerns, did not help and educate a customer in ways of avoiding the said fee. 

Even though it is just {$5.00}, I think that attitude from the cashier, the manager, and Chase bank itself is unfair. Until when Banks will continue to take advantage of ignorant people?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been a Chase account holder for XXXX plus years. I tried to use my chase on XX/XX/XXXX and XX/XX/XXXX it was declined. I looked on the phone I saw that I had money in my account so I don't understand. I called 3 times 2 times got hang up. Then I went to one of Chase Bank branch and spoke with a manager regarding my account. I was told that Chase has suspend my account due to so type of problem with a joint account with my 30 years XXXX  since she was in college. I Don't put money in her account or take out. They can see that. Nobody can tell me what happen. I was told that in 5 to 10 days I would get a letter and my funds. XX/XX/XXXX I have NOT received anything. I don't know what my XXXX  did but I know that I don't anything and I need my money. No one will tell me what is going with my funds over a month and so later. Can someone help please. This is not right with no communication. If this was me owe them the would not like this AND MAKE ME PAY LATE FEE. I have picture of what was in my account, don't have any negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Service
State: UT

Complaint narrative:
I have gotten multiple phone calls being XXXX told I need to pay or else. I told them stop calling, i finally blocked them and now they are leaving voicemails. They have called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NJ

Complaint narrative:
My name is 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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received a statement in the mail for my XXXX XXXX XXXX XXXX credit card payment of {$210.00} due XX/XX/XXXX. I mailed a check with the payment stub to the supplied address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX. Please see attached carbon copy picture. 

I then received a statement in the mail stating I still owed the balance of {$210.00} along with a late payment fee. I called XX/XX/XXXX and spoke to a representative. They stated they had not received the check and eventually disconnected the call. I did not hear back from them. However, XX/XX/XXXX the check was cashed and cleared my bank account. Please see attached bank statement screen shot. 

I have now received another statement due XX/XX/XXXX for the misapplied " late payment '' charge and interest of {$36.00} total. 

My initial payment was not late. I mailed the check well before the in mail deadline and plenty of days ahead of the payment date to be received, processed, and applied. It seems XXXX misplaced my check and then was able to find it and apply the funds XX/XX/XXXX after I called XX/XX/XXXX to complain. 

I do not owe a late charge or any interest of my promptly mailed check payment. The incorrect {$36.00} balance owed needs to be removed from my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XX/XX/XXXX Care Credit charges my whole statement balance instead of the minimum due. Which was {$1600.00}. This put my bank account negative XXXX and has been that way ever since. I have called multiple times, originally they said 7-15 business days for it to be resolved. Every time I call I get a different answer. Its been 16 business days now with XXXX coming this weekend and they have still not refunded me. They have made the last 3 weeks a stress fueled nightmare. I use the autopay feature and I never even go into the app, thats how I know it was 100 % fault of care credit. It was their mistake and they have done nothing to help me.

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I don't have specific dates or amounts because this was over five years ago. However, I felt as though my escrow amounts were incorrect. I think I paid more in escrow that was not returned to me or added to the account.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX my account was overdrawn due to mobile deposit being returned less than 24 hours my account was blocked no reason was given however I called and explained I had no idea the payment would bounce since I was not the check issuer however I was told on XX/XX/XXXX my account was closed and blocked from depositing or any use of app or debit fast forward on XX/XX/XXXX my direct deposit which was more than the amount I was overdrawn was rejected only letter to be forced deposited words used by the bank on XX/XX/XXXX with the bank keeping not only the overdrawn amount which would have made my account positive but also my remaining balance they have since recanted that the account is closed its actually still open and I request it to be closed immediately to prevent any further charges or use on the account theyve refused while also denying me use of the account or my funds there in while telling me bank takes 30-60 to close and issue a check of available funds however this bank has chosen to wait 60 days and hold on to my government funded benefits with no letter of intent nor and authorization from me they have held my money hostage and have an account open in my name after I demanded it be closed I have no itemized list of where my money is or what Im being charged without access they since took additional money from the account and I have no idea what they are charging to this account

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 monetary relief
Consumer complaint received 2022-12-20 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-20 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: PA

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX XXXX XXXX numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: PA

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX XXXX XXXX numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.

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 2022-12-20 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: TX

Complaint narrative:
I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.

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 2022-12-20 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: TX

Complaint narrative:
I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local XXXX to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.

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