vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 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: GA

Complaint narrative:
CONDITIONAL ACCEPTANCE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experain XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear, I agree to pay the following financial obligation regarding account XXXX XXXX XXXXXXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer. 
-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX  number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 .

Under US Code TITLE 15 > CHAPTER 41>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt.

Thank You, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a vanilla debit card from my neighbor for {$50.00}. 

On XX/XX/XXXX I attempted to use the card to make purchases at XXXX and XXXX, however the card would not work. I called the card 's customer service and explained the issue. I was informed that I only had a {$5.00} balance on the card because there were previous charges to the card as far back as XXXX. The representative suggested that I submit a dispute for unauthorized charges on the debit card. 

On XX/XX/XXXX I received a letter from " XXXX payments '' located in XXXX, GA which references ticket XXXX. The letter stated that they complete their investigation regarding my dispute, however the payment networks only allow recovery of transactions within 60 days from the date the transaction cleared. They have closed my dispute with no resolution. 

The response is and lack of resolution is unethical. I disputed the charges within XXXX day of receiving the debit card as a gift ( XX/XX/XXXX ). If the representative 's claim ( that there were several charges going back to XXXX ) is true, how could they expect that I or any consumer file a dispute within 60 days of said transactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/22 I recieved a text/email from Chase regarding a potential fraud charge to my card. This charge was a XXXX XXXX XXXX XXXX for {$340.00}. I told them that day it was NOT me and they " closed my card and sent me a new one. '' Later on I kept checking my card in the app, making sure transactions are all mine. A charge on XX/XX/22 appeared titled XXXX XXXX XXXX XXXX XXXX FL for {$140.00}. I am located in Wisconsin, I have not been to Florida any time in the past XXXX plus years, nor have I had any charges form XXXX, I've never even given them my card. I called multiple times to Chase telling them about this fraud charge, both times because I didn't see it off my app feed or reimbursed. I was told " it's not on your statement, your fine. '' Today XX/XX/22 I check my statement and see the XXXX XXXX XXXXXXXX XXXX XXXX FL for {$140.00} charge on my statement. I contact Chase and am told this is a re-bill from the investigation and that I need to speak with them regarding it. Chase has not once through this process helped me recoup my stolen money. I have lost faith in them to safely guard my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The latin word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as XXXX, XXXX & XXXX, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the CFBP which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( FORD MOTOR CREDIT COMPANY ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express XXXX card, which has a {$200.00} credit to be used on Amex XXXX. I used this card to book a room on XX/XX/2022, and got a credit ( {$200.00} ) on my account on XX/XX/2022. 

Then I canceled the reservation on XX/XX/2022, so the credit ( {$200.00} ) got reversed. 

And I also booked another room, and got the credit ( {$200.00} ) on XX/XX/2022. Then I canceled this reservation on XX/XX/2022 because of plan change, and this credit got reversed on XX/XX/2022. 

The last time I book a room on XX/XX/2022, this time Amex did not give me the credit, but when I cancel it, Amex charge me {$200.00} for no reason. 

I called Amex and they just transfer my call to multiple their teams ( XXXX team, Dispute team, Amex XXXX team... ), and none of them solve this problem. 

I also chatted with Amex service online, they are not helpful. 

I can not open a dispute on their website because they somehow does not show this option for charges from Amex XXXX. 

I already spent dozens of hours on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

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 2022-11-13 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I paid {$160.00} fee for extra piece of luggage for my wife. She was traveling from XXXX, XXXX to Washington DC on XX/XX/22. I paid {$160.00} online. When she checked in, she was told that they " could not see " the charge of {$160.00} I paid at their end. So she paid another {$160.00} for the extra piece of luggage she was carrying. She also paid for another piece of luggage. So I was charged THREE times for 2 pieces of luggage. I contacted XXXX XXXX. They refused to give me credit. I contacted the credit card. They claim the charge is " valid '' and declined to issue me credit. I provided them with my wife ticket number so they can check how many pieces of luggage she traveled with. Still they declined to issue me credit. Please find copy of my statement where I highlighted the 3 charges. you can see 1 was online and 2 were in person. Also I attaching a copy of the credit card response and my letter to them. thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This not a duplicate request. This is not made in error. I do not consent to XXXX verification. Please see attached document for review.

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Reached out to CCBXXXX and they advised me that they will investigate the claim and will be in contact with the credit bureau XXXX The account is fraud and now they sold it to a debt collector without corresponding with me so I can receive the information. The account information is below : XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Contacted the companies on XXXX to get inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Contacted the companies on XXXX to get inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: GA

Complaint narrative:
XXXXXXXX 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 TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear, I agree to pay the following financial obligation regarding account DEPT OF EDXXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this XXXX XXXX sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both DEPT OF EDXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer. 
-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 . Under US Code TITLE 15 > CHAPTER 41
>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank You, XXXXXXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, I agree to pay the following financial obligation regarding account DEPT OF ED/XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both DEPT OF EDXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer.

-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.

-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 .

Under US Code TITLE 15 > CHAPTER 41>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank You, XXXXXXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: NJ

Complaint narrative:
I have contacted the credit bureaus and the creditor. There is information on my credit report that is inaccurate and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: OR

Complaint narrative:
On the morning of XX/XX/2022, I pulled my EQUIFAX credit report and noticed wrong names listed within the credit profile as well wrong address that where listed inaccurately. I gave Equifax XXXX XXXX XXXXXXXX XXXX XXXX was informed by representative XXXX, that the information would be removed within XXXX XXXX. As a courtesy I have mailed off documention showing my full SSN Number, a copy of Electricity XXXX & a copy of my XXXX issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XXXX, Ally mailed a letter to my home indicating that my mortgage assistance application was incomplete. Ally requested additional documents no later than XXXX. On XXXX XXXX, I faxed Ally the requested documents : 30 days earnings, hardship letter, homeowners insurance declaration page and real estate tax bill. On XXXX, Ally mailed a letter to my home informing me that the deadline to submit the missing documents has passed and unable to review my application for mortgage assistance. 
On XXXX, I called Ally and spoke with one of their Reps, XXXX XXXX, who confirmed that Ally received a fax with all the requested documents on XXXX and XXXX XXXX XXXX stated that she will advise the Loss Mitigation Department to review my completed application for mortgage assistance. 
On XXXX, I contacted Ally and spoke with a Rep inquiring about the status of my application for mortgage assistance. I was informed by the Rep that I would need to reapply. I immediately requested to speak with a supervisor. The Rep verbalized that a supervisor was not available to speak with me regarding my concerns and to expect a call from a supervisor sometime during the day. I waited throughout the day on XXXX and I never received a call from Ally. 

Please review the attached letters, faxed documents on XXXX including a print of the faxed log reflecting that all documents were received by Ally on XXXX. 

Ally is deceiving financially distressed homeowners, in particular, XXXX by falsely promising to preclude foreclosure and providing them with mortgage assistance. I am a victim of their deceit. They are in violation of the Mortgage Assistance Relief Services Rule. I will be filing additional complaints with other agencies.

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 2022-11-13 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.

Company response to consumer: Closed with explanation