vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Wow, where do I start? Well, for one, I'm still surprised they're in business. Let 's start with that they violated my FDPCA rights by refusing to provide a breakdown of the alleged balance. XXXX, their representative, claimed I owed the debt and had to pay it. She became aggressive after I reminded her they had to give me this documentation. XXXX refused my request for the second time and told me it was my debt and there was nothing they had to prove. After telling her I would report her, she laughed and said go ahead. She mentioned their affiliations with the XXXX  and the CFPB, implying they would side with her company. She then hung up on me. I called back and asked to speak to the supervisor on duty. The supervisor also did not want to provide proof, was just as rude, and used a threatening tone. She did not want to take my complaint, which was just as disrespectful. This company needs to be XXXX, and was investigated and shut down. This company is full of unethical people. I called back and asked to speak to the supervisor on duty. She also did not want to give me proof, was just as rude, and used a threatening tone as XXXX. Did not want to take my complaint on XXXX, and might I add that the supervisor was just as disrespectful? THIS COMPANY NEEDS TO BE INVESTIGATED AND SHUT DOWN. This company is full of unethical people. Further communication to resolve this debt will cause emotional distress, I hung up the phone and had an XXXX XXXX  from the rude and unethical behavior this company showed me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I have been contacted by the collection agency that is not authorize to collect a debt in the state of florida.

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 2024-07-02 00:00:00
Product: Credit 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: CO

Complaint narrative:
I purchased tickets through XXXX XXXX for a trip from XXXX to XXXX in XX/XX/year>. 

XXXX XXXX without my authorization changed my seats and billed my card. 

I disputed the transaction and Amex did not resolve the dispute in my favor. Reopened the dispute multiple times. 

Amex is required to protect its customers from predatory practices such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: AZ

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2024-07-02 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/2024 my credit karma account being hacked into by a number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. A XXXX WAS ADDED OF INACCURATE ACCOUNTS REPORTING. 


In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> I sent XXXX XXXX ( XXXX, email address XXXX ) {$470.00}. XXXX did not receive this. When I called Chase. I was told {$470.00} dollars was deposited into XXXX 's XXXX account. The Chase representative told me to have XXXX XXXX XXXX to confirm he had the money. XXXX went to XXXX put the call on speaker. The XXXX representative stated that XXXX 's XXXX information was correct. However, Chase never sent the {$470.00}. When I called Chase back. I was told to contact XXXX. When I contacted XXXX. The XXXX representative told me to contact Chase. At this point I drove to a Chase XXXX XXXX bank branch. The XXXX XXXX Chase representative told me the {$470.00} was deposited into XXXX XXXX account. I told him that was not the case and suggested calling XXXX and XXXX to clairfy. The Chase representative told me that was not neccesary, because there was nothing he could do. I spent four hours on the phone with Chase and they just transfer me to diffrent departments. In the end I am told they cant help me with recovering the money. XX/XX/year> I requested a Chase representative to check the XXXX transaction to insure the transfer was succesful. The Chase represenative on XX/XX/year> told me the payment went through. That never occured. A false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not authorize nor benefit from any of the following inquiries listed below. This is also a violation of 15 USC 1681 and goes against 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

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 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo in their responses indicated that it is the duty of the owner to notify the police if illegal occupants are on the property but Wells Fargo and their affiliates utilized the local police to remove the legal occupant XXXX XXXX XXXX from the property and the legal owner notified the insurance company and have yet to be paid for injuries sustained to her personally, professionally or to her property.

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 2024-07-02 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: NY

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX. I had an accident in car, my insurance company totaled out vehicle, and full paid off loan. I was notified from insurance that check was sent and received. I contacted the loan department, everything was verified. However, I was never told that it was a {$170.00} balance. Months later i checked my credit reports because I was ready to purchase a new vehicle and I see a charge-off account for a little {$170.00}, that is against the law, I should have been notified to make payment before this fraud was placed on my credit report. I do not owe this and would like it removed from my credit report. I had 100 % payment until this lie was told.

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 2024-07-02 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: NY

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX. I had an accident in car, my insurance company totaled out vehicle, and full paid off loan. I was notified from insurance that check was sent and received. I contacted the loan department, everything was verified. However, I was never told that it was a {$170.00} balance. Months later i checked my credit reports because I was ready to purchase a new vehicle and I see a charge-off account for a little {$170.00}, that is against the law, I should have been notified to make payment before this fraud was placed on my credit report. I do not owe this and would like it removed from my credit report. I had 100 % payment until this lie was told.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I am a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CT

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Syncb / Belk Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I have multiple loans with Loan Depot and have had for years. I moved banks earlier this year and forgot to update my autopay to my new bank account, loan payment was returned, I immediately made a new payment and updated auto pay that cleared. In XXXX on one of my mortgages, I made payment but when presented was returned ( had made purchase with debit card, however the merchant processed 5 times in error ), so it held 5 times the amount causing my payment to be returned, I was notified transferred funds from savings and made replacement payment that also cleared ; subsequently Loan Depot put me on certified funds payments only. I am traveling for over a month and had no way of getting to bank to get a cashier 's check to get mailed out as I didn't know any of this until mid afternoon on Saturday. I called my mortgage broker and she suggested making a payment through my bank as long as it was electronic, so I did. I made my current payment with my bank ( XXXX ) and the fees with the return item in XXXX, both went out and cleared paying what was due. Loan Depot received but didn't credit my account and said they were returning via check next week both payments as it was not certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
To whom it may concern, I didnt not authorize or give any authorization for my credit to be ran with your company, I am unaware of the matter that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I submitted a wire transfer request for {$33000.00} from my CHASE BANK account to XXXX XXXX XXXX. The wire was sent to account XXXX to the recipient XXXX XXXX. The receiving bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ILLINOIS XXXX. 
I asked my Chase bank to recall it because the recipient stated that he did not receive the money. The XXXX XXXX did receive the transfer and they said the recipient had recipient did get the money and that they could not recall the funds unless the recipient gave them permission to withdraw the amount from his account which he would not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Discover failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against discover in the small courts claim where I have all proof to show discover is breaking FCRA laws. I have been with discover since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I discovered that one of my credit card accounts had been closed due to a bankruptcy filed XX/XX/2024. I am not in bankruptcy. I was directed to contact the credit bureaus which I did and was told by each of them that they show no bankruptcy on my credit report.

This is a continuous issue with my siblings credit information being merged with mine. Our names and social security numbers are very similar. I have had security alerts, freezes etc added to my social security account to no avail. 

I contacted XXXX XXXX, Experian, XXXX and XXXX and none of the companies are claiming to be responsible for the error. One of them had to post the bankruptcy because my XXXX credit card account has been closed because of it. 

Please help. The only solution that the credit companies offered was a free 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 explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc
State: NV

Complaint narrative:
I would just like this loan reviewed to see if it all legal. I have been paying {$84.00} every other week since XX/XX/XXXX to pay off {$1100.00}. Almost XXXX XXXX years and they said I am set to pay until XX/XX/XXXX. Is all this interest legal? They take payments directly from my checking 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 monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
Please help me, I have attached supporting documents

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