vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I received service from XXXX on XX/XX/XXXX for monitoring service. On XX/XX/XXXX I canceled the entirety of that contract with the cancel confirmation # of XXXX. I was told someone would call me to come and collect the equipment. Someone did call me I missed the call. I called her back. She said she would call me back in five minutes once she pulled up my account. I never received a call back at this point. I was seven months pregnant and about to deliver and going through complications so I didnt have the time to call them back to check the status. After I delivered my son in XX/XX/XXXX a few months later I called back and said hey nobody has reached out to come collect this equipment. Per the contract, It says that they have 20 days of the date of your notice of cancellation to come and collect it. 

" IF YOU CANCEL, ANY PROPERTY TRADED IN, ANY PAYMENTS MADE BY YOU UNDER THE CONTRACT OR SALE, AND ANY NEGOTIABLE INSTRUMENT EXECUTED BY YOU WILL BE RETURNED WITHIN 10 BUSINESS DAYS FOLLOWING RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE, AND ANY SECURITY INTEREST ARISING OUT OF THE TRANSACTION WILL BE CANCELLED. 
IF YOU CANCEL, YOU MUST MAKE AVAILABLE TO THE SELLER AT YOUR RESIDENCE, IN SUBSTANTIALLY AS GOOD CONDITION AS WHEN RECEIVED, ANY GOODS DELIVERED TO YOU UNDER THIS CONTRACT OR SALE ; OR YOU MAY, IF YOU WISH, COMPLY WITH THE INSTRUCTIONS OF THE SELLER REGARDING THE RETURN SHIPMENT OF THE GOODS AT THE SELLERS EXPENSE AND RISK. 
IF YOU DO MAKE THE GOODS AVAILABLE TO THE SELLER AND THE SELLER DOES NOT PICK THEM UP WITHIN 20 DAYS OF THE DATE OF YOUR NOTICE OF CANCELLATION, YOU MAY RETAIN OR DISPOSE OF THE GOODS WITHOUT ANY FURTHER OBLIGATION. IF YOU FAIL TO MAKE THE GOODS AVAILABLE TO THE SELLER, OR IF YOU AGREE TO RETURN THE GOODS TO THE SELLER AND FAIL TO DO SO, THEN YOU REMAIN LIABLE FOR PERFORMANCE OF ALL OBLIGATIONS UNDER THE CONTRACT. '' Needless to say, I never heard from anybody. I sold that house after going back-and-forth with XXXX for months nobody ever called me back. I was always the one calling and now theyre trying to charge me after I was trying to get this squared away. Thats unethical. I could have XXXX pull every record that I called them and tried to get them to square this away. I abided by the contract that I signed thats says I needed to cancel within three days now I expect them to abide by the contract that says if you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your notice of cancellations you may retain or dispose of the goods without any further obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all XXXX credit profiles Experian XXXX XXXX you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!

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 2024-04-29 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: MD

Complaint narrative:
I have tried to send my disputes to the XXXX credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-04-29 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is following up on my previous complaint- I have now compiled a spreadsheet detailing the payments and credits and proving that American Express is overcharging me by over XXXX. Essentially, on XX/XX/XXXX, I booked an XXXX- I used the " XXXX XXXX '' feature to pay for it, on XX/XX/XXXX, I canceled the XXXX, but as of XX/XX/XXXX, Amex was still charging me fees associated with the XXXX  ( the underlying asset of which was refunded to my card ). Also, I had an active XXXX as of XX/XX/XXXX - and the statement balance was never adjusted to reflect the end/refund of the XXXX  Now, the XXXX is technically over, and Amex has simply added the entire XXXX balance to my statement balance, and they are refusing to adjust the XXXX balance. Here is an XXXX spreadsheet detailing the discrepancy- American express thinks that my statement balance as of XX/XX/XXXX was {$11000.00}, which based on the credits/payments downloaded from Amex ( which I have compiled in a spreadsheet ), the difference between my payments and credits is {$8500.00}. This is a discrepancy of {$3200.00}, which I must have refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have an open complaint against XXXX XXXX for partial claims denial with the XXXX XXXX XXXX  XXXX, however I paid my final auto insurance bill on XX/XX/24 to XXXX XXXX. I have never done any business with Credit Collection Services nor signed any contracts or agreements with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
In my profile there were some hard inquiries that are not mine.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a customer at Chase Bank. They let {$15000.00} of my money go a couple months ago. It was a fraud charge. Someone stole my phone my credit cards debit cards from my car. Ive been working with Chase to try and get the money back. I even have a police report And they denied me I need help. This is a lot of money just to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I the consumer and natural person was denied credit by Chase when I applied for a Chase Credit Card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

Chase is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Chase due to the response I received.

Chase is in violation of 15 USC 1642, USC 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorize use of credit card ) on behalf of Chase 15 USC 1602p.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I agreed to make a {$30.00} dollar a month payment to clear up my medical debt. I initially paid {$30.00} as a first payment on my debit card. They wanted me to call every month to make a payment and i refused to do that as i asked them to send me a bill monthly so i can send them a check. I did not want to use my debit card. XXXX refused to send me a bill on a phone call i had with her on XX/XX/year> she said that was not going to happen. If they dont send me a bill monthly i am not going to use my debit card i will only send a check with a bill and the last amount to show the deduction of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently opened an online checking account with Truist. I set up online access, requested debit card, and funded my account. This morning, I woke up to my online access being blocked for security purposes. I received no correspondence from Truist regarding this matter. I need access to my online account and funds with restrictions lifted right away.

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 2024-04-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
I signed up for National Debt Relief in XXXX of XXXX. I had been a victim of XXXX and fraud of the company I got it from, causing a domino effect of debt to accumulate ( the fraud prevented any gov assistance for 7 months ) which compounded with being a victim of a XXXX XXXX XXXXXXXX just before XXXX fell. I have had my entire lifes savings and work taken from me through no fault of my own. I wanted to settle down the debts though so I may move forward someday. This company when I called in XXXX, ended up speaking to me for approximately 2 hours in the initial call. They did not disclose any information about their own fees, only that they were there to negotiate new lower balances for the 5 credit card accounts enrolled. I have been paying XXXX $ every other week since, contributing to these balances, 3 of which had been lowered. 
I had a change in circumstance in XX/XX/XXXX that resulted in being able to pay {$4000.00} towards the debts. 
I called again, twice, to specify my payment was only authorized to go towards 3 specific accounts out of those 5 to settle as many as possible to improve my credit so I may get a new car with better credit. 

When I called after the payment processed some days later to verify the accounts were paid, I was told of a new settlement fee on the other 2 accounts which total just under the balance fee. Approximately {$2000.00} of that {$4000.00} went towards a settlement fee that I did not authorize. Not only that, but at no point in time was this settlement fee made clear to me from sign up to now. I have no idea where it came from, but it is equivalent to what my biggest account balances already are, effectively doubling my debt, not relieving it as initially thought. Id been under extreme duress as a XXXX XXXX XXXX XXXX XXXX XXXX where health issues have mounted in total lack of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I requested someone from the company explain why no employee explained their settlement fee until I made a $ XXXX payment that they assured me would be processed as I specified, half of which was taken by this company with new fees that doubled my debt, not relieved it, that Id never seen before or heard before. When I asked them to explain why this is the first I am hearing of this, and to please process as requested, I was literally laughed at like Im stupid and was told through a clear smirk on the phone that Yeah, youll never get that back. 

I was told a supervisor would call me back at XXXX on monday, today, to answer my 2 questions. This has not been done either. I am sick to my stomach at this situation as a customer ; I have just been violated all over again without consequence yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Netspend Corporation
State: FL

Complaint narrative:
The institution has suspended my overdraft services for excessive use when I have not even went over their monthly allowed limit. This is called a financial strain and under these hard times and hard situations when you allow overdrafts and put your account in the negative for such optional services and pay the fees for that services then you should spend them you make that money non-available to the positive balance making a deficit so not only did you let me go in the whole, the money you charge ( big fees ) so I almost paid triple and I can not re-access my overdraft to keep me from having a financial hardship the high cost service occured.

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 2024-04-29 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I received an email on XX/XX/XXXX stating that XXXX has processed your order and your affirm loan details are below. 

Affirm terms : {$100.00} Loan Amount {$100.00} Total of payments {$9.00} Finance Charge Loan ID : XXXX Payment schedules are on the XXXX of the month starting in XXXX XXXX. 

On XX/XX/XXXX there was an email stating that there was a {$100.00} affirm virtual card for use at XXXX and {$66.00} was spent, and there is a credit for {$33.00} that wasn't spent. 

I got an email on XXXX stating that an automatic payment to bank account XXXX was scheduled. 

XX/XX/XXXX an email came through that payment was missed. 

On XXXX another Affirm email came through that stated a recap of XXXX XXXX  for {$260.00} went through and yesterday, a plan was requested for {$170.00} at a XXXX XXXX. 

I didn't think much of this because someone in XXXX used my email before for buying a car that wasn't really attached to my details. 

I started getting emails from Affirm that the XX/XX/XXXX payment was missed, then the XXXX payment was missed. 

On XX/XX/XXXX my credit score dropped unexpectedly so I looked at my XXXX XXXX and that is when I saw that Affirm was showing on there. I immediately opened an investigation request with Affirm which has a case number of XXXX. 

I have XXXX XXXX through my job and I noticed that I got an alert about this account. This is when I called Affirm and asked for an investigation into fraud. I also talked to XXXX XXXXXXXX, pulled credit reports, and will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The estimates used for projecting the upcoming taxes payments from my escrow was very over inflated. The escrow projections for taxes is approximately {$17000.00} ; However, the actual tax bill for the upcoming year is approximately {$10000.00}. I have included the actual tax bill for reference. Thus, for XX/XX/XXXX my mortgage payment increased drastically by over 60 % due to this. I notified the company in XXXX of this issue as was assured that while this was investigated that my payement status would not be reported late. This was mentioned twice by customer customer, not being reported late, during phone calls on XXXX and XX/XX/XXXX. Unfortunately, they reported my payment status late thus causing my credit reporting score to drop over 100+ points.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The estimates used for projecting the upcoming taxes payments from my escrow was very over inflated. The escrow projections for taxes is approximately {$17000.00} ; However, the actual tax bill for the upcoming year is approximately {$10000.00}. I have included the actual tax bill for reference. Thus, for XX/XX/XXXX my mortgage payment increased drastically by over 60 % due to this. I notified the company in XXXX of this issue as was assured that while this was investigated that my payement status would not be reported late. This was mentioned twice by customer customer, not being reported late, during phone calls on XXXX and XX/XX/XXXX. Unfortunately, they reported my payment status late thus causing my credit reporting score to drop over 100+ points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: IL

Complaint narrative:
The estimates used for projecting the upcoming taxes payments from my escrow was very over inflated. The escrow projections for taxes is approximately {$17000.00} ; However, the actual tax bill for the upcoming year is approximately {$10000.00}. I have included the actual tax bill for reference. Thus, for XX/XX/XXXX my mortgage payment increased drastically by over 60 % due to this. I notified the company in XXXX of this issue as was assured that while this was investigated that my payement status would not be reported late. This was mentioned twice by customer customer, not being reported late, during phone calls on XXXX and XX/XX/XXXX. Unfortunately, they reported my payment status late thus causing my credit reporting score to drop over 100+ points.

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