vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Purchased concert tickets on XXXX  using chase credit card. XXXX was original ticket issuer. XXXX voided the tickets due to fraud. I requested a refund from XXXX but they continue to refuse to cancel. I disputed transaction with Chase but they sided with the merchant. XXXX email attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is invalid, and I demand that they be removed from my report immediately. I remind you that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a quick and thorough investigation into this issue. I demand that you take immediate action to remove this account from my credit report and inform me of the steps taken to prevent this from happening again. XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-06 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-12-06 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: CA

Complaint narrative:
Dear Equifax I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Georgia Homeowner Assistance Fund/ ( GA HAF ) reached out to Mr. Cooper on XXXX XX/XX/2023 for mortgage validation. GA HAF has not received a response to their inquiry from Mr. Cooper for ( loan number XXXX ). Validation of our mortgage with the GA HAF would bring our mortgage account to current and non delinquent if approved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I am a victim of identity theft and this complaint contains new information from any and all previous disputes or complaints. Upon review I discovered a checking and savings account opened in my name at XXXX XXXX XXXX I did not open or use these accounts. Previously I was told that these accounts were opened in person but new information provided to me by the bank confirmed these accounts were opened online. Chexsystems is reporting these accounts as account abuse on my chexsystems report however these accounts do not belong to me and the new information that these accounts were opened online requires a new investigation by chexsystems. I reached out to chexsystems and was unable to speak to anyone.

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 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CUSTOMERS BANCORP, INC
State: PA

Complaint narrative:
On or about XX/XX/2023 I contacted Proceed Financial to cancel a loan I obtained for dental work that I was to have on XX/XX/2023. They said I would need to contact XXXX XXXX XXXX to cancel the financing. I told both parties I did not want the loan because I didnt feel comfortable paying ahead of time before I had the procedure. XXXX XXXX was very reluctant to cancel and even tried to push the appointment up before the XX/XX/XXXX due date of the first installment. I just received an email stating that I am responsible for a 5 % fee of {$240.00}. I am not paying a fee for a service I never received. I asked them several times to cancel the loan and I have never in all my life been charged such a fee. Its bad enough that I am dealing with dental issues. I shouldnt have to pay a fee when I tried in good faith to cancel this loan several times. I dont want this affecting my credit. All I want is the loan to be cancelled and be done with this ridiculousness.

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 2023-12-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was exposed and leaked during the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
According to FCRA laws 15 U.S.C. 1681, there are items reported on my credit report that do not belong to me and must be removed. An FTC report has also been attached for items that does not belong to me. This is hindering me from buying a house and it is extremely frustrating.

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 2023-12-06 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: VA

Complaint narrative:
According to FCRA laws 15 U.S.C. 1681, there are items reported on my credit report that do not belong to me and must be removed. An FTC report has also been attached for items that does not belong to me. This is hindering me from buying a house and it is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I received an AMEX prepaid card for {$200.00}. I was told I could use anywhere online and in person. I made SEVERAL attempts on many different websites - websites that DID accept Amex prepaid cards. But each payment was not successful. I called AMEX 4 times and the first girl told me they blocked my card because of suspicious activity and she said she cant unblock it, the next three people said the same thing but told me I could use ANYWHERE else online. I have made over XXXX attempts on different websites including trying to add to my XXXX XXXX as they advertised I could and that didnt work. AMEX customer service was no help and has misinformation about where you can use the card when in reality I havent been able to use anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
I called in to TD Auto Finance XX/XX/XXXX to inquire where my overpayment was from my payoff that my credit union sent in. 10 day payoff quote on XXXX was {$58000.00} and my XXXX XXXX sent in a check for {$59000.00} which was applied to my account on XXXX This would be an overpayment of roughly {$420.00}. Rep tried to tell me that was the exact payoff at that time, which I explained was impossible if the 10 day quote on XXXX was {$58000.00}. She refused to provide what the payoff was at the time the payment was applied. Further, I cancelled loan products XXXX XXXX XXXX XXXX which would be applied to the loan balance. They said they applied a XXXX refund, but could not explain where the XXXX refund was. I see a rebate of {$630.00} in transaction history online and the rep could not explain where that went to. That rebate shows the exact same date of XX/XX/XXXX that payoff was applied. They also show fees of {$1100.00} in their online transaction history on my account that the rep could not explain to me. I simply want my overpayments and product refunds sent to me and not kept dishonestly by TD Auto Finance. TD Auto Finance has yet to send me or my credit union the title for our car after payoff as well. Rep became very rude and defensive when I demanded an explanation of how funds were applied to my auto loan which really upset my husband & I. She asked us what exactly we did not understand whereas it was this rep that was not understanding how a per diem worked and a product refund worked on an auto loan. This is just not acceptable and we as consumers are out several hundred dollars that they can not explain to us. Feel free to reach out to us for further info including account numbers, etc. We are happy to provide any documentation needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERIS BANCORP
State: SC

Complaint narrative:
This is a Constuction to Permament Loan Product. On the initial closing of the loan ( before construction started ) the closing attorney presented a " Construction Permanent Loan Term Acknowledgement '' to sign.Attached XXXX FILE. This disclosure is part of the closing documents. 

This disclosure clearly stated that if there is a delay in the construction of the house beyond 12 months, the bank will charge 0.25 % of the loan amount as fees for a 3 month extension. The disclosure refers to " modification of the note ''. The word NOTE typically means and was interpretated as the Amount, term and interest RATE.We had clearly asked the attorney if that means the interest rate as well and he had clearly said yes. We had also asked, why the bank representative was not pesent for the closing. 

After 12 months, when the home construction was delayed the bank took the stance that the disclosure is NOT referring to the interest rate but only to the construction phase. And to lock the interest rate, the fees would be 0.5 % of loan amount per month of delay of the loan modification ( construction to permanent ). This amounted to a difference of about XXXX dollars versus XXXX dollars in fees for a 3 month delay. The closing attorney agrees with my interpretation of the disclosure but the bank disagreed and insisted that interest rate lock is not referred in the disclosure. 

When asked why there is no disclosure or mention in the many pages of the closing document about any possible fees with regards to interest rate lock, the bank had no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal accounts form my credit reports. List all these negative accounts for you Equifax credit report. Account names and account numbers and file your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Account Balance : {$32000.00}.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Old address and phone numbers not removed. Due to security reasons I can not remove on line.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
During the Covid pandemic, I had BECU. I'd signed up on XXXX, and had them take out expenses. I did not have the money in my account, and did not realize. They began charging me late fees for the transactions trying to be taken out, sometimes up to XXXX times. It was bizarre because I had money in my other account, and it was not moved over as they typically do. 

Overall, they took almost {$600.00} in late fees. A year later, they sent an email which said I was unable to sue them. At this time, it was illegal to take late fees due to the pandemic, and BECU said they would suspend and return late fees, but they did not for my account. This was XXXX and XXXX of 2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
We were notified on XX/XX/XXXX about a debt owed to XXXX XXXX XXXX XXXX XXXX for a service we received in XXXX XXXX Principal is {$500.00} and interest is {$130.00}. 

We would like to understand why we are being charged the interest if we just got notified, and why our insurance never told us they did not cover the service, so all this is new to us. Asked to the debt collector ( TSC Accounts Receivable Solutions ) but no answer has been provided yet.

Company response to consumer: Closed with explanation