vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2023, XXXX charged me a late fee of {$30.00} and again in XX/XX/2023 for {$37.00}. I repeatedly asked for an electronic address for payments and they did not provide. My payments were mailed from my bank account at least two weeks prior to the due date. Frequently, I received no statement or a statement that arrived within a week of the due date. Their billing practices are the worst I have ever experienced. 
I called customer service and was told the fees would be waived. I called every month to complain that they were not removed and was told it could take two billing cycles. 
My promotion ended XX/XX/2023 and the fees remained. I made my final payment on XX/XX/2023. The fees were finally removed on XX/XX/2023, however the promotion ended and they are now charging me additional late fees and interest that would never have appeared had they waived the fees six months prior. 
I have talked to customer service and supervisors that don't understand what had been done. I opened a dispute and wrote a letter. All being ignored. 
My most recent statement shows a balance of {$330.00} which is all based on the fees that they never removed until after the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX, I canceled my car insurance after a car accident that occurred on XX/XX/XXXX. Subsequently, Chase bank continued to charge my account for three months, with unauthorized transactions on XX/XX/02 ( {$70.00} ), XX/XX/02 ( {$70.00} ), and XX/XX/02 ( {$69.00} ), totaling {$200.00}. I opened three claims with Chase on XX/XX/XXXX, providing evidence such as a police report and text conversations with the insurance company, proving the cancellation. Despite this, Chase denied all claims on XX/XX/XXXX, stating that the transactions were " authorized. '' During the phone inquiry, Chase claims department agent indicated that my information " matched up '' with the transactions, leading to their denial. I believe this process is unreasonable and unacceptable. I am seeking assistance to resolve this issue and recover the wrongfully charged funds. Chase must acknowledge their error and take appropriate action to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I closed on my loan on XX/XX/2023. With Highlands Residential Mortgage, my first payment was made in XXXX via cashier check to Highlands Mortgage, as advised by the loan XXXX, XXXX XXXX I received a letter of transfer to a new servicer in XXXX stating that the loan had been transferred to XXXXXXXX XXXX. The payment in XXXX was made to XXXX. In XXXX, I received a letter again stating that the loan had been transferred to XXXX, but in a weird format because it was from HIGHLANDS to HIGHLANDS but with a different loan number. I communicated this with XXXX, my loan XXXX, and she acknowledged that they now have my loan back. So, my XXXX payment should be paid to " XXXX ''. I set up auto-pay, but I saw that the money hadn't been taken out of my account. I couldn't make a one-time payment because it indicated that I still had a XXXX payment due. The issue has remained unresolved despite multiple calls and visits to the XXXX office. I want to know why XXXX is not accounting for the payment I made in XXXX through a cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm unable to see my credit details on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One N.A is reporting to the credit agency XXXX that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX CAPITAL ONE N.A ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but XXXX is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.

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 2023-10-18 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: PA

Complaint narrative:
XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XX/XX/23 XXXX XXXX XXXX XXXX I received a call from Southwest Credit Systems XXXX No one said anything. XXXX I called back spoke to a XXXX who said he was calling on behalf of XXXX for {$110.00}. I informed him that I am already in Dispute with T-Mobile concerning that Fraudulent Balance & have filed complaints with The XXXX, FCC, FTC & the Illinois Attorney General Office against XXXX for XXXX XXXX XXXX I then asked for the acct # only to discover that XXXX had hung up the phone on me. XXXX I called back spoke to a XXXX who Immediately put me on hold & left me there. XXXX I called back spoke to a man who said his name so fast that I didn't hear it & when I asked him to spell it numerous times He Refused, I then asked to speak to a Supervisor numerous times again He Refused saying No Supervisor is Available. XXXX I called back spoke to a XXXX who gave me the acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This collection agency violated my rights by reporting inaccurate information on my credit report also by not sending documentation to me of the debt therefore I had no acknowledgement of it. The law is Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I contacted my original creditor us auto sales before the closing to advised my phone was stolen & provided my updated address, phone number, & email which I never received any communication on from westlake or the transfer. XXXX XXXX XXXX XXXX ga XXXX, XXXX, email XXXX .Therefore is a breach in contract & violation to my rights. Westlake did not send me any communication or notification that my loan was sold or any attempts to collect, dispute or notification at all. My first letter from westlake was received today XX/XX/2023 after it was forwarded to my new address however westlake picked up the vehicle yesterday on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
XXXX, to refund {$6.00}, sent me a XXXX issued by Fifth Third Bank, N.A. 

To activate it online took almost XXXX minutes. I can not use it when I purchase over {$6.00}. If I use it for a purchase lower than {$6.00}, then the balance carries over to use it for even a lesser amount for the next purchase. These restrictions are designed so that customers like me will end up not using the card. They also charge a monthly fee {$3.00} and replacement fee of {$25.00}. 

Using the credit or debit card method to refund the balance results in people not claiming it adding to the enormous profits ( unclaimed cards ) of the company issuing it. I will be stuck with monthly fee as well. 

Consumers must not go through such hassels to claim their refunds. This is a deceptive practice and CFPB must stop it. Please instruct the companies to issue refund checks instead of sending refund credit or debit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-18 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: FL

Complaint narrative:
IN ACCORDANCE WHIT THE FAIR CREDIT REPORTING ACT : XXXX 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 SECTIONS 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection letter from Prince Parker that sated they were trying to collect on an older XXXX XXXX XXXX XXXX invoice that I did not feel I owed. However, I tried to deal with XXXX XXXX XXXX and they would not talk to me because I " didn't have my password ''. I had already switched to account to another Mobile provider so I ignored XXXX XXXX XXXX. The letter from Prince Parker stated that I had until XX/XX/XXXX to call/write to dispute the debt, otherwise they would assume their information was correct. I considered contacting them with an offer of settlement, but my main concern was that my credit rating not be affected as I had just built my score up after bankruptcy and foreclosure in XXXX. Since I had until XX/XX/XXXX to pay/dispute the debt this was not # 1 on my priority list. On XX/XX/XXXX at XXXXXXXX XXXX. I received a phone call from a representative to " verify the information ''. 
She stated that they had sent me an email and a collection letter on XX/XX/XXXX. I advised her I had received neither, and my letter was dated XX/XX/XXXX and again, no email whatsoever. I advised the rep that I was probably going to pay in full by the date stated of XX/XX/XXXX since my credit rating was so important to me and I didn't want the credit score providers to include any collection activity. She stated it had already been sent to at LEAST XXXX. On XX/XX/XXXX I received a notice from my credit monitoring service that my score had gone down-XXXX Points on XXXX and XXXX points on XXXX. On XX/XX/XXXX I signed into the Price Parker website and submitted a dispute of their actions and I wanted the credit bureaus to be notified IMMEDITELY that this was a premature action on their part as I would be paying in full on XX/XX/XXXX. After coming home from a job in the early afternoon of XX/XX/XXXX I called into them and spoke with a rep that stated the collection action notification was withdrawn ( it stayed on the site for 3 more days ) and I paid them IN FULL over the phone with a credit card. My credit scores are still down XXXX points from before this organization took premature action and NEVER have sent ANY electronic communication 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I owed XXXX XXXX XXXX and XXXX on the debt. In 2022 I paid off the sold debt to XXXX XXXX XXXX.. I received a hit against my credit from a new company for the same debt this morning from Radius Global Solutions. I did not receive any correspondence from Radius Global Solutions to discuss or review this information.

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 2023-10-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXX XXXX not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought XXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXXXXXX XXXX not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought XXXXXXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments

Company response to consumer: Closed with non-monetary relief