vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I opened this a Bluebird prepaid debit account in XX/XX/XXXX. My account shows a negative balance. I contacted customer service at XXXX. I was told that charges went through my account from XXXX and I had to contact them for a refund. I asked how the charges could have been posted to my account when there was not money to pay the charge. The answer was never clear to me. One reason put forth that there was money in the account when the charges were first pending. This is not true. The account balance was {$6.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX charges were posted against the account in the amounts of {$4.00}, {$18.00} and {$13.00}. Another reason was that Bluebird has an agreement with XXXX to allow charges when there is not money in the account, but the dispute resolution representative, XXXX was unable to direct me to a list of vendors that have this agreement. 

I was told I was responsible for the charges. I have reviewed the Membership Agreement available online. Pursuant to paragraph 16 ( a ) : I am not allowed to expend funds in excess of the available funds in the account and it further states that if a transaction occurs, I am liable. This is a prepaid card, not a debit or credit card. This was not a case of two transactions happening in close proximity. There is no reason those transactions should have been allowed to process. 

Please explain to me why transactions are posted to an account on a prepaid card without money to pay the charge. This is completely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NJ

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I placed an online order with my third party XXXX on XXXX and I had to cancel the order. However, I paid my 1st installment with XXXX of {$16.00}. With me canceling my order XXXX did in fact refund me my {$16.00} to my debit card on file on XXXX. However, Chase debited my account for the {$16.00} on XXXX. Chase is saying that they gave me the credit back for {$16.00} but according to my available balance on that date, they have not given me the money back. I have looked online and saw that Chase have NOT given me my funds back. I have also contacted Chases Customer Service Department and they are telling me that they gave me the funds back. This is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are still a XXXX XXXX and a XXXX XXXX account on my credit I have asked for it to be verified its never been verified this is now my 7th time I have submitted to the state attorney general along with both companies and there third party collections a cease and desist and an affidavit of truth and an invoice fining these companies XXXX has removed them although XXXX doesnt seem to believe they should follow the law and experian has not removed them either please have them correct these 2 accounts and XXXX keeps sending in letter telling me to verify myself rather than remove XXXX XXXX off as well this is my 8th time addressing this issue when I have sent in my id address and Ssn several times

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 2023-05-26 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: NY

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 2023-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nexum Group Inc
State: FL

Complaint narrative:
My family and I are constantly harassed by XXXX XXXX from XXXX XXXX XXXX She has been harassing us since XX/XX/2023, calling several times a week! 

She has somehow found m family 's landline phone number and has been calling and harassing my elderly mother with abusive and threatening language. We have her voicemails, emails, and constant tyrants captured to be shared as evidence of her aggressive actions. 

Please investigate the inappropriate and abusive practices of XXXX XXXX, she is negatively impacting the lives of innocent consumers every day! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
My FHA mortgage qualifies for a loan assumption. I applied for a loan assumption through my lender as required per my divorce terms. The divorce terms state, I have six months ( from XX/XX/XXXX ) to assume the loan in my name only, refinance, or sell the home. 

I provided proof that I have made my mortgage payments via my own funds for the last year. The purpose of the assumption is to remove the co-borrower from the loan, who has never made a payment to the mortgage. After submitting all requested documents including : six months of bank statements ( proof of income source ), final divorce decree and supporting documents, and co-borrower 's consent and signatures, the underwriter denied the assumption due to the following : *XXXX XXXX and XX/XX/XXXX payments were not made in the month it was due but neither payment was more than 30 days late ( NOT reported to Credit Reporting Agency XXXX and the late fees were paid by me. 
*a late payment in XX/XX/XXXX -- I disputed the " late payment '' ( after three attempts to make my mortgage payment through the Lender 's mobile APP, Website, and customer service representative ) via the CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX then determined that the late payment was not my fault or theirs. The payment reporting history was amended and updated as " information not available ''. 

My current mortgage APR is at 3.5 % which is significantly lower than the current market rate. Lakeview would benefit significantly if the loan were refinanced or sold at the current XXXX market rate. If I am forced to sell my home and purchase a new home, today 's housing market prices would destroy me financially.

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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/23 I was told to " apply '' for a loan to purchase my scooter from American First Finance. I was approved for said " loan ''. When the scooter was delivered to my home, I was asked to sign using a tinted XXXX  device that had a colored screen protector. I was asked, sign here, sign there etc. Then I received an email from the financing company, that what I had just signed for was a " Rent to Own '' option. Charging three times more than the cost of the scooter. The fees were never discussed or emailed to me. I called the finance company and was told, I can pay it off in 101 days with said fees attached! This is not a " loan '' or a finance of any means. I was scammed into using this company and now have huge fees and penalties to get out of it. American First Finance never communicated any of this information to me prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX XXXX, Act Name : XXXX XXXX  Act Name : TXXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Name XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX XXXX, Act Name : XXXX XXXX XXXX, XXXX Name : XXXX Act Name : XXXX XXXX, Act Name : XXXX XXXX, Inquiries : 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I opened a JC Penney credit card in XX/XX/2023 and verified my current address and information on the pin pad while in the store and after a couple weeks I wondered why I never received it. When I called to make a payment on XXXX XXXX because I could not make a payment online due to not having my new card, I inquired as to what address my new credit card went to because I had not received it. I was told the address it went to was not the address that I had given them. It concerns me greatly because I had my social security number stolen and someone tried to open a bank account in my name at XXXX XXXX  XXXX recently. The agent at JC Penney did cancel the card that went to the wrong address, however I did address my concern on this matter but she didnt seem to be bothered by my concern which is also very concerning to me. I told her that I am going to make a complaint regarding this matter to CFPB.

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 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
My credit report has not been available to view for more than three years. I have called the credit bureau, and every time a representative from another country answers. The agent is rude and advises me that I have requested a report too many times. I proceeded to tell the rep that I have not requested a report and have not been able to receive a report in years. The agent does nothing and hangs up on me. The happens every time I call. I have even submitted proof of identity on the website, the website eventually kicks me out without a resolution. I need help accessing and unblocking my credit report for use. The credit report is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: MI

Complaint narrative:
This company continues to report incorrect information. They also keep marking my complainst as duplicates. Please note the following NEW information ( last complaints continue to go unresolved as well ).

I just received an alert this morning that my socre has gone down again since my account is 60 days past due.

1 ) It is not ( see screenshot from app ) late. It is on track and no payment is due or late.

2 ) As company states that I regularly receive emails from them and open them ( as they say they are tracking me )- I'd like them to show me a single email that I have gotten about this.

3 ) See the screenshot from XXXX  where they are reporting 60 days late and an incorrect balance.

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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: TX

Complaint narrative:
I am entering XXXX XXXX with the XXXX XXXX XXXX on XX/XX/2023. I send my request to XXXX and XXXX XXXX my SCRA notification on XX/XX/2023 and received no response. I also sent the SCRA request via email and still received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Paid off a settlement offer for a debt to XXXX XXXX, Account XXXX XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached XXXX FTC reports with fraudulent accounts and multiple fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed XXXX separate disputes all for {$500.00} with Citbank back in early XXXX for merchant XXXX XXXX. Citi took barely any notes and 2 months later charged my card. I still strongly disagree with the charges and in early XXXX emailed a ton of attachments to XXXX. I have tried following up numerous times via email and by calling XXXX. No response.

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 2023-05-26 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-26 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second attempt see complaint # XXXX for reference

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 2023-05-26 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2023 someone stole my Bank of America credit card and made a fraudulent purchase of {$860.00} with XXXX which is a vendor I have never used. I called the Bank of America on XX/XX/2023 and reported that my card was stolen and Bank of America told they would remove this fraudulent charge. Later on XX/XX/2023 Bank of America added this fraudulent charge back onto my credit card account. I called Bank of America on XX/XX/XXXX and asked them why they had added this fraudulent charge and they told me I had to pay for this even though my card was stolen. I would like Bank of America to re-remove this {$860.00} charge from my 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 2023-05-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You are in direct violation of the Fair Credit Bureau Act. Account Name Chase ( JMCB ) Account Number Last Four XXXX 15 U.S.C 1681 section 602 A. Clearly state that I have the right to privacy.

15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B a creditor may not a payment on a credit card plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Bureau Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section2 : It also states a consumer reporting agency can not furnish a 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 wich antedates the report by more than seven 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.

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