vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: PA

Complaint narrative:
XXXX XXXX charged my AMEX card {$150.00} for the XXXX XXXX XX/XX/XXXX season. Instead of notifying me of the charge they sent my wife an email stating our XXXX XXXX will be auto renewed. According to XXXX XXXX, my wife is the " head of household '' and she only receives emails. My wife called XXXX on XX/XX/XXXX, the same date the charge was posted on my credit card and requested the charge be removed because we did not elected to be in the auto-renew program. I called XXXX on XX/XX/XXXX after seeing the charge on my AMEX and was told it was to late to make any changes with regards to my pass. I have copies of both cell phone calls to XXXX  credit card department ( see attached ). I asked the call center agent to file a complaint and explained that I was never notified as the AMEX cardholder of the charge prior to it being posted and regardless of their policy should have informed me under the consumer protection laws. They instead notified my wife and although she called to cancel the pass on XX/XX/XXXX, XXXX XXXX erroneously charged my AMEX account for {$150.00} on XX/XX/XXXX. 

XXXX XXXX are using deceitful methods to automatically enroll its consumers in a renewal program without clearly defining the consumers options. It is also important to point out that their website portal does not allow a consumer to delete or remove their credit card information. I have verbally, through email and their privacy portal requested my personal and credit card information be deleted without any avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 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: LA

Complaint narrative:
" The Heroes Act ensures that consumers are held harmless and do not suffer further damage by having late payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to to get affordable credit or even a job. '' ( Per Heroes Act ) I was affected by the XXXX XXXX which caused me to have late payments. 
According to the Heroes Act ( Section 110401 ), - suspends negative consumer credit reporting during the Covid-19 Pandemic plus an additional 120 days. 
- Prevents credit scores from being ruined during the Covid 19 Pandemic including late payments reporting on consumer credit file and report. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for Equifax is XXXX with XXXX and was delivered on XX/XX/2022. 

I also sent a dispute letter for late payments that I was affected by during XXXX XXXX by certified mail. The delivery tracking number for XXXX is XXXX with XXXX and was delivered on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been unable to remove the fraud alert on my TransUnion credit report file XXXX. I have attempted to call and go to fraud.transunion.com. please remove the fraud alert

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
I was called several times, the debt collector was being extremely rude then also attempted to impersonate, lawyer on the next couple of phone calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute that was received by experience on XX/XX/XXXX. This dispute was regarding an account called XXXXXXXX XXXX  aka XXXX XXXX. I have contacted experience on multiple occasions and the account has not been validated. I then requested the account be removed multiple times and this has not been I've been completed. It is now XX/XX/XXXX and it has been over a year now. Experian confirms that my dispute was received over a year ago and was never validated within the 30 day time frame. I am requesting this account be removed from my credit report immediately. My ability to apply for credit has been negatively impacted based on this erroneous entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX I received a mattress from XXXX that was bed bug infested. Order XXXX I set up a return and have the receipt from the ups driver with the tracking number. After waiting the amount of time XXXX told me to wait to see my credit, I called and have been calling since for XXXX years now! I was always told it was revived and the credit is either being processed or has processed and it takes time ti hit my credit card, which is my XXXX store credit card thats held through Synchrony bank. Finally in XXXX of XXXX after filling out claims directly with the credit card company i got my credit, but not even for the interest fees. But the total {$520.00} charged. The bank issued me a new credit card and I thought this was over. Then XXXX charged the same amount to my new card in XXXX of XXXX and I filed a fraud dispute with the bank at that time. They assured me theyd issue a credit and to wait the proper amount of time, and so far nothing has been done! I call every few months and each time they ask for the tracking number and my account of what and when and why I returned this item and still almost XXXX years now? Nothings being done! I stopped using this credit card and left the amount due to me as a balance and when they call Me to say XXXX late - I explain o have a XXXX balance and they actually owe me money for the finance chargers and late fees theyre applying for almost XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 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: WI

Complaint narrative:
on XXXX I received the following correspondence. that XXXX indicated that it is the credit reporting agencys task to remove my XXXX  account with experian please read attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2022-07-07 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am, XXXX XXXX is the co-owner of this account # XXXX along with her my grandson, XXXX XXXX XXXX. This is a XXXX XXXX account that was created for him to learn about personal finance. He is in an out of town XXXX XXXX and he rarely accessed his account. In XXXX of this year we noticed significant and frequent withdrawals from his account in the total amount around {$1100.00}. None of this belongs to him. When we contacted Chase about the fraudulent activity on the account, they opened a claim and on XX/XX/2022 refunded all of the money stolen. However on XX/XX/2022 they deducted & XXXX that they had previously refunded. When we contacted their Customer Service about this deduction, they claimed we contacted them more then 60 days after the fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: PA

Complaint narrative:
YOU VIOLATED THE LAW!!! 

As a reporting agency that assume the role of assembling and reporting information on me, the FCRA requires that it is done so in a manner that is fair and equitable to me. I did not grant any permissible purpose to obtain any information of me and report it. A consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You are reporting information on my consumer report that is to be excluded from a consumer report as well as reporting information about me without permissible purpose and reporting information that is not fair and equitable to the consumer ( me ). Furthermore, YOU ARE REPORTING INFORMATION THAT IS INACCURATE WITH THE CORRESPONDENCE I RECEIVED FROM XXXX XXXX YOU ARE REPORTING AN AMOUNT THAT IS NOT EXACTLY THE SAME AS THE AMOUNT THAT XXXX XXXX XXXX STATED. BY LAW YOU SHALL REPORT INFORMATION OF MAXIMUM ACCURACY! 

Attached with this complaint the is the correspondence I received from XXXX XXXX XXXX and return receipt ( s ) as confirmation that you received my correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX of last year our bank, Berkshire Bank sold our mortgage to a company that services our mortgage. The " new '' company has Berkshire Bank on their letterhead and when we call them the phone is answered " Berkshire Bank ''. We have tried to go to Berkshire Bank to discuss our problem and they tell us they don't have our information and can't give us any information. Back in XXXX when our mortgage was transferred we started receiving information that said our escrow was short and they can't explain why. First they said it was homeowners insurance but we have ben paying our homeowners insurance since we purchased the house and was in full effect. Then they said it was for our real estate tax had gone up ( {$3000.00}? ). Our mortgage has always been around {$1000.00} since purchase. We then started to receive monthly statements that said our new payment was approx. {$1300.00} because our taxes went up. We have spoken to several people at the bank and they always see there is a problem and will call back. They never call back. We have done this so many times and explained this to many people and the issue still have not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Home Mortgage is with Wells Fargo Home Mortgage backed by XXXX XXXX, Loan # XXXX, The problems, we are having, we used the COVID-19 Forbearance on OUR mortgage. After requesting a reduction on our mortgage, we received 2 Highly ridiculous Offers : 1 ) 30 Year and 2 ) Mortgage Modification for 40 Years. I advised the employee that we have paid on OUR home for almost 12 years and paid off another home with Wells Fargo Home Mortgage, why such a Ridiculous offer. I was advised that's the best offer I can get from Wells Fargo. We fully rejected the offers. The employee continued to try and sell US on those Ridiculous offers. We advised them to STOP calling US about the offers to No comply. We get about 3 to 4 calls weekly from Wells Fargo. Most calls they calls hang up call right back 2 to 3 times daily, like a child playing on the phone. again, we advised them to STOP calling. 
Second, I advised Wells Fargo in XX/XX/2022, that We would like for the missed payments during the COVID-19 Forbearance period to be placed on the back end of our mortgage again to No Comply. Monthly we receiving letter stating that OUR home could be placed on the eviction due to nonpayment. We have never missed any payment. they are attempting to make me pay off missed payments ( COVD 19 ), instead of putting my monthly payments towards my account. 
We are looking for Wells Fargo to STOP harassing US.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TX

Complaint narrative:
Bank of America card was lost then used by someone else to make several purchases. I disputed the charges and then Bank of America did an investigation. They found I was still responsible for the charges even though I did not make the charges. The charges were fraudulent. I was not the person who used the card. The refused my claim and said the charges were valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put 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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have membership with all three credit bureaus agencies XXXX, XXXX and TransUnion. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay TransUnion {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because four month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.

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