vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
So the issue is that I had a major injury during my vacation. I had to go to the hospital in XXXX. They told me that everything would be {$5000.00}. So I agreed and they did XXXX and recovery. Then I got these additional charges, and they are justifying it because they had my credit card to use it. I don't have it in writing as I was rushed into the XXXX. But the idea as you can see from all the disputes that they charged me 3 times. 

I have disputed all 3 charges and let them know that one of them should be for XXXX XXXX only. Yet they are not listening and are allowing the disputes to cancel and this hospital in XXXX XXXX to just charge me XXXX I want them to cancel the 2 un-acceptable charges against the card. And lower the main charge to the XXXX XXXX that was promised to me before I was rushed into XXXX. 

To add onto all of this I had to get a second XXXX here in the USA to fix and remove all the damage they did during the original XXXX. So I paid for a XXXX that literally did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing had check to pay off the whole mortgage since XXXX and owe me almost {$500000.00}. They assured me in their Ombudsman Department that this would not affect my credit adversely. 

Now on my credit for XX/XX/23 is a late payment. When I called to ask about this atrocity, the supervisor XXXX ext. XXXX told me that I indeed was late and that it was contractual that the payment was due. She even began to badger me about paying last months payment. I SCREAMED XXXXXXXX XXXX! Then hung up. 

I have called this company over XXXX times to try to XXXX the resolution on my refund after the company has already cashed the {$610000.00} check in XXXX. I have been told it can take up to 30 days, but every time that I request the process, there has been no response. 
XXXX items : How do I get MY MONEY HOW DO I HAVE THEM REMOVE THE LATE PAYMENT AFTER THEY ASSURED THAT THIS WOULD NOT HAPPEN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 Hayt Hayt & Landau P.L. fraudulently began receiving 25 % of my employment pay from my employer, XXXX XXXX. I never received notification from Hayt Hayt & Landau P.L. of a Garnishment, nor was I served paperwork, or a letter to appear in court, that I was being sued for a debt. Hayt Hayt & Landau P.L. also has sent inaccurate information to the credit agencies causing me to be denied for a home.

Hayt Hayt & Landau P.L. received a Debt Validation letter from me, ( CERTIFIED ), and I have not received a response from them as of today.

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 2023-08-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for my credit card and it never arrive. I have never done or attempted to do business with these two merchants " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$55.00} XX/XX/XXXX XXXX XXXX XXXX NY {$150.00} I contacted American Express to dispute my card, they closed my case for no reason.

These are fraud charges. They should suspend those two charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12 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:
I have XXXX inquires, I have filled XXXX police reports as identiy theft and Equifax still refuses to remove the said inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and Aidvantage, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 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 2023-08-12 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I frequently used an app called XXXX where I would wager money. On XX/XX/2023 someone was able to gain access to my debit card, account informations and other personal details. They then deposited and wagered money on my account as a form of sabotage. I let XXXX know however they refused my response and I then contacted my bank Truist. I told they what happened and I had my account frozen. However, their investigation took only 2 days. They denied my refund since my response was not valid. 

The perosn on the phone asked if I ever done business with XXXX and I said yes however she labeled it as no so as a result Truist saw this as a lie on my end however it was a mistake by the call handler. I called Truist to let them know and they said they can open an appeal but I was never contacted again by them and whenever I contact them they refuse to answer. 

{$2500.00} dollars of a charge was unauthorized by me and Id like these funds reimbursed.

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 2023-08-12 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX  at the XXXX XXXX website and I paid the amount of {$1500.00} and I paid the item through XXXX-a creditor which offers virtual loan for items being sold at stores where they accept it. Affirm offered XXXX equal monthly installment payment of {$150.00} and I was charged {$150.00} on XX/XX/2023 and the second payment of {$150.00} on XX/XX/2023 while my return is being processed. When I received the item I did not like it and opted to return the designer watch and I returned the item on XX/XX/2023 to XXXX located at the XXXX XXXX XXXX  , I was issued an acknowledgment receipt by XXXX  with tracking number XXXX. I notified Affirm of the return so they can halt charging my account. Apparently, the item I returned was stolen or lost in transit which I learned through the Customer Service of XXXX. I opened a case on the lost or stolen returned item and notified XXXX XXXX and spoke with XXXX and she also opened a case to recover the amount of the watch lost or stolen in transit. Affirm is harassing me to pay the item which I returned and would not want to refund my XXXX payments. It also reported me to XXXX which affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) . 

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

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 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX thought Pncbank was down finally realizing on XX/XX/XXXX that it said my account was revoked. Called and they stated bc I had logged in areas not normal for me they had revoked my online banking. I had been on vacation XXXX and also had given travel notice. Finally got account reinstated with out having to recreate a new one. Then find out all my bill pay is revoked. Call again they were rude says it will be at least XXXX businesses days which means XX/XX/XXXX until I can use again making bills late. They refuse to transfer or give my info on policy. No contact was made just revoked my account. Very poor business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've disputed, several times, via XXXX XXXX and Ceritified mail, that certain entries on my reports with XXXX, Transunion and XXXX were wrong and demanded that they be removed. Neither company has resolved the issue. I also have accounts that do not belong to me still listed on my reports. Some info is as follows : XXXX XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX  - Date Opened and Account Amount XXXX  - Account closed and still reporting active payment history. 7 years since first reported. 
XXXX XXXX - Account doesnt belong to me Accounts without creditor information XXXX  XXXX - Account listing erroneous late payment Transunion XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX Account doesnt belong to 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 non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I had contacted ally financial at the end of XXXX about a voluntarily repossession. I was then told not to make payments on the vehicle by the financial institution and they stated I will be have a letter being mailed to me that needs to be signed and mailed back to them. I have copies of the paper work which had false information on it saying I was asking for a voluntarily repo due to not being able to pay for the vehicle which was wrong so I attached another letter stating why I asked for a voluntarily turn in. It's now almost the middle of XXXX and they have still yet to pick up the vehicle and stated not to pay which is hurting my credit even more than just the voluntarily turn in. When I call I don't get any answers and keep getting transfered from one person to another and they still refuse to come and get the vehicle. It's very frustrating that I have to deal with this when I am the one asking for it. Due to they are charging interest at a daily rate for the Vehicle at XXXX dollars a day for my auto loan. I will also be sending this request to my local attorney Generals office due to the deceptive auto loan practice of this financial company.

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 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ( XXXX ) has been making daily inquiries to my TransUnion credit report without a permissible purpose since around XX/XX/2023. I have contacted TransUnion and they said there is nothing they can do to block the inquiries, which I find to be completely absurd. They can absolutely block inquiries, but are choosing not to enable such a feature. XXXX is apparently a small company with no obvious phone number, mailing address or email contact information. I considered pinging the CEO on linked in but I doubt hed acknowledge my email. I dont know how to make this stop and am concerned about who signed up as me on XXXX and what theyll do with my credit information. I have already put a fraud alert on my credit report and also froze it on TransUnion.

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 2023-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
I received a bill for an underpayment in my escrow due to under estimates in my county taxes on my home. The balance of underpayment is XXXX of my 2023 taxes and after paying that in a lump sum my mortgage will still be increasing by over XXXX dollars a month. I've reached out to my lender and they have given me no help, only told me to go to the county. I went to county accessor and they told me it's most likely my escrow company completely failed to do their job in properly estimating my property tax. I've communicated this to my lending company and they still refuse to work with me at all. I will be reaching out to the escrow company but spoke to someone else who had the same experience with the same escrow company and was told they just hung up on him when he reached out. 
I will be going directly to the escrow office Monday and writing a formal complaint to the corporations commissioner if they refuse to speak with me. 

I need any and all the help I can get. 
My lender is Bank of Texas and the Escrow Company is XXXX XXXX out of XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) .

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-08-12 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: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
The card is declined at both XXXX & XXXX which doesnt make any sense ( use as credit, no PIN number ). Plus, when using it online, it gets declined on almost every transaction. Doesnt matter the dollar amount or vendor. Then we must call in & get it unlocked every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TX

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

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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