vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: AZ

Complaint narrative:
Hello, On XX/XX/2021 my fiance, XXXX XXXX, and I bought our first house through Amerifirst Bank with a lender named XXXX XXXX XXXX. If due diligence was done the house would have never passed the safety standards of a FHA loan. One-third of the house was illegally built. That section of the house is so fragile that a structural engineer informed us that the master bedroom, bathroom, and closet could collapse during a storm. We have had to replace every major system in the house, including the entire drainage lines leading to the city, the the supply lines, the electrical, and we had to repair the HVAC. Parts of the roof are unstable as well. It also had mold. I later on got XXXX XXXX. This house is more then a money pit, it is a safety liability. As a seasoned lender he should have reviewed the documents and denied the loan on the house. He also didn't review county images which show that the addition does not exist in any official record and was built without permits or due diligence. I attached a document with the time line of events and the list of repairs that have to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Ed XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-02 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, US Department of Ed XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX  Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/2023 my account with chime bank got suspended due to not complying with the agreement of opening the account I was told to send documents to verify my identity I sent the documents in multiple times time after time was told by multiple supervisors that the documents I sent in would get the suspension lift so I can access my funds all was a lie when told to close the account and send the funds out the account they refused to do so so I need a lawsuit or something to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  is reporting several late mortgage payments during XXXX. I was in process of a modification and had been informed that payments would not be reported during the time in which the modification was in process. I have had my mortgage since XXXX and there were never any late payments. 

I've had issues with XXXX XXXX XXXXXXXX before and will be looking to refinance my home when interest rates drop again. I find XXXX  XXXX XXXX to use deceptive practices with some of their customers. 

Again, today I contacted XXXX  XXXX XXXX and again requested that the late payments from XXXX be deleted because they harm my credit rating and because I was in the modification process. 

A representative informed me she would forward my information to a manager of the credit reporting department, but I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
In accordance with the fair credit report act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Accounts in violation are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: NY

Complaint narrative:
In accordance with the fair credit report act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Accounts in violation are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX Bank 's name : Synchrony Bank XXXX XXXX. XXXX  XXXX XXXX, FL XXXX XXXX. TJX Rewards Platinum Master card XXXX ( old card No. ), XXXX ( new card No. ) Some one unauthorized use my credit card XXXX XXXX XXXX XXXX ( old card ) for 11 transactions in the period of XX/XX/XXXX - XX/XX/XXXX for the amount {$810.00}. I called the bank and they issued me a new card No. XXXX XXXX XXXX XXXX and transfered the balance for those unauthorized usage and interests, However, they only gave me the credit for 3 transactions in the amount of {$220.00} and keep on charging me interests for the unauthorized usage on my card. 

I called them and sent certified mail but up today they did not honor the full credit but bit around the bush when I called. Finally XX/XX/XXXX they sent me a letter and approved but up day they still did not credit back {$1100.00} in full that include the amount of unauthorized usage and interests charge for the unauthorized usage. 

This matter has been over 11 months, Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Debt was attempted to be collected by XXXX XXXX for 1 XXXX visit. The XXXX was a part of a week long series for being on an XXXX. ALL of the XXXX costs were covered by insurance, except for one ( this was filed under the wrong member ID of an old insurance card ). Attempted to contact XXXX, they were using the wrong insurance card for multiple debts owed. Attempted to call the insurance company to correct the insurance ID used but was met with a different representative everytime. This happened over months. In the end, nothing was fixed. XXXX  still used the wrong Member ID, therefore XXXX XXXX is still collecting a debt because XXXX  or XXXX XXXX had given the wrong member ID information. I have a XXXX document comprised of all the calls ( including time, date, and names of representatives spoken to at XXXX XXXX XXXX XXXX ). NOTHING was ever resolved, essentially, the same mistake was not corrected by XXXX  and I still owe the hospital money because of that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
BJ Credit Card Changed from Comenity Bank to XXXX XXXX. I have spent 6 plus hours on the phone trying to get card active. XXXX XXXX XXXX XXXX then claims the have not history of sending card. I was told to call Comentity and spoke to XXXX, was not sent a email record, called XXXX XXXX, used there app, used there online system .If they can't find an account that they sent out then they must have a massive data breach, or very bad internal controls and have no idea and what cards they send out to people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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 confidentiality under 15 USC 1681. 

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : 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 which 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I right to privacy.

15 u.s.c 1681 section 604 A. Section 2 : 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: OK

Complaint narrative:
In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX XXXX  XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: TX

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 confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : 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 which 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 my wife received a call from her family in XXXX, XXXX  that her grandmother will likely not make it through the night and we need to fly out to say our goodbyes. We attempted to book a flight through XXXX  in the amount of {$640.00} using our debit card but our bank ( J.P. Morgan Chase ) denied the charge. A pop-up screen displayed on XXXX that our transaction was unable to be completed due to the tickets selected being sold out. So, I pulled out my XXXX  XXXX credit card and paid XXXX airline directly. We received confirmation from XXXX that we were on our way to XXXX. As we were packing, roughy 30 min after airline tickets were purchased from XXXX with the XXXX  XXXX credit card, we received an email from XXXX that our tickets were approved. So, at that point we had 4 XXXX round trip airline tickets from XXXX to XXXX for only two passenger ( two tickets for XXXX and two tickets for XXXX for the exact same flight ) We immediately called XXXX, and currently still have a pending claim with them. XXXX gave me a window of 60-100 days for a response. After speaking with XXXX, I called chase to report the fraudulent charge and they temporarily refunded the money. When speaking with chase on the the XXXX of XX/XX/2023 the claims department representative said they did deny the charges on the first XXXX attempt and flagged our account as suspicious fraudulent activity but they than approved a XXXX unauthorized attempt from XXXX. On XX/XX/2023 chase took the {$640.00} out of my account and would not let me dispute again. Claims department representative wouldnt even allow me to speak with a supervisor. 
J.P. Morgan chase could not answer why the charge was denied and then approved without receiving approval from an account holder. Their response was its an automated system and we have no control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XXXX, I opened 8 cases with PayPal about unauthorized charges totaling {$400.00} which were rejected by my linked credit cards and as a result my PayPal account was overdrawn by - {$400.00}. I then received a deposit of {$200.00} which was absorbed. I called every week about the status of the 8 cases and was told I had to wait 90 days for resolution then I was told PayPal was waiting for the credit card companies to respond confirming that the activity was fraudulent. I was assured that the balance would NOT go to collections. The next day I literally received a notice of collections. As of today the cases have been closed with no resolution and turned over to collections. I URGENTLY NEED HELP RESOLVING AND GETTING MY {$200.00} back. I will send a demand letter and cc the federal trade commission too. I will also start to gather social media complaints and notify the media to spread my concerns about PayPal. Something is very wrong.

Company response to consumer: Closed with monetary relief