vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXXr/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I over paid my Macy 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXXThey reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, Macy 's customer care stated I had a store credit of XXXX. 
Macy 's is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the alleged missed payment. 

The account has been paid in Full for Macy 's Store Charge Card with Macy 's owing me money.

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 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT WORLD SERVICES, INC.
State: LA

Complaint narrative:
XXXX CREDIT REPORT COLLECTION ACCOUNT : CREDIT WORLD SERVICE XXXX {$110.00} XXXX XXXX XXXX, KS XXXX THIS IS MY 2ND ATTEMP AN DISPUTING THIS ACCOUNT, I NEVER RECEIVED A THE PROPER NOTICE/ LETTER FROM CREDIT WORLD SERVICE COLLECTION AGENCY.THIS ACCORDING TO " THE CARES ACT '' THEY ARE NOT TO REPORTING TO COLLECTION AGENCY WITHOUT PROPER NOTICE. ALSO ACCORDING TO THE CFPB MUST ISSUE EMERGENCY GUIDANCE ON DEBT COLLECTION DURING THE PANDEMIC " REQUIRE NOTICE BEFORE CREDIT REPORTING '' COLLECTORS SHOULD PROVIDE CONSUMERS WITH NOTICE ABOUT ALLEGED DEBTS BEFORE " PARKING '' THEM ON A CONSUMER 'S CREDIT REPORT. THIS WAS DURING THE " PANDEMIC '' I LOST MY JOB DOING THAT TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account NICHOLAS FINANCE COR on my credit report XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I over paid my XXXX 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXX.They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, XXXX XXXX customer care stated I had a store credit of XXXX. 
XXXX XXXX is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and Transunion. I also contacted XXXX regarding the alleged missed payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX with XXXX 's owing me money.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediatelyXXXX 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 explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Issue with Inifiniti Financial forcing me to return my lease to XXXX dealership instead of being able to sell to a 3rd party during 2021. Their dealerships were then providing outrageous buyout options which only left me to return the car to them. They magically changed their policy without notifying me. At this point I spoke with them to dispute the lease termination charge since they were effectively creating a monopolistic profit center for themselves through the policy change. I do not feel I should be paying a lease termination fee and told them so. Today, I see they reported an outstanding balance for this fee on my credit report and it has been increasing each month ( do to unknown reason ) despite them not sending me any information on the balance. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On or about XX/XX/2022, Wells Fargo Bank allowed XXXX XXXX to withdraw {$8800.00} dollars out of my account ending XXXX which was a fraudulent transaction. I called wells Fargo bank to report the fraud and they denied the claim without reason. I have been on a recorded call with wells Fargo bank and was told companies have the authorization to make any type of withdrawals from my brand new checking account. I had closed a checking account ending in XXXX on/or about XX/XX/2022, and I had lost my checkbook, Because of this I closed the account and opened a brand new account. I did not authorize any company to take any ACH or provide my new account number or routing to XXXX XXXX or any business to take an ACH payment from my account. Wells Fargo opened case number XXXX and wrongly captions this as a stop payment when it was a fraud and unauthorized payment. I have reached out to Wells Fargo to get an explanation and talk to a manager and to this day no one has called or emailed me about anything. I have proof that this company did not have access to my new account which I will be attaching to this message. Wells Fargo needs to return my funds immediately. In addition, Wells Fargo assured me that my account was secure and no merchant could take money from my new account and that authorization doesn't pass from one account to another. This is fraud and I need Wells Fargo to show me the investigation performed on this account. 
Wells Fargo knows they are in the wrong because when I opened the claim they never sent an email with the claim number, and they never followed up with a callback, in their own writing and emails when I closed my account they tell me in writing that I have to set up accounts or payements. They are trying to commit fraud against me. I have attached another claim that they handled my other claim properly see attached and it was because it was for a lesser amount and they have no problem sending me my documents correctly so I have the proof no they are wrong.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit report EQUIFAX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American express discriminated against me as a consumer. I was exercising my rights in good faith under the consumer credit protection act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: AL

Complaint narrative:
My credit card was charged for XXXX XXXX XXXX on XX/XX/2022 for the amount of {$890.00}. 

I did not authorize this charge, I live in XXXX and have work time cards and video surveillance to prove that I have not left my state during that time or within the past few months. 

I filed a dispute claim on XX/XX/2022 when I noticed the charge and on XX/XX/2022 they sent me a notice saying that I benefited from this charge and will be fully responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account CNAC XXXX, on my credit reports XXXX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, EXPERIAN, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.
State: CA

Complaint narrative:
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 I have filed chargeback disputes on Paxful both using the chat bot to submit tickets and on each one of the trades we did. The last time I filed a chargeback dispute was over a month ago and it's still pending. This person needs to be banned immediately. Paxful is clearly awful at responding to chargeback notices in a timely manner which is extremely important in the effort of getting the stolen funds returned from the buyer who initiated a fraudulent chargeback. The way Paxful attempts to get your funds back after they have looked at your proof submitted for the chargeback dispute is only by taking the funds from the other persons account if they even have any in the account they're using to trade with. So, immediately when submitting a chargeback dispute it's a race against the clock to hopefully catch them before they go offline forever and make a new account or hack someone elses. Over a month???? The scammers continue to trade and scam others for a while after these chargeback disputes are filed because every single one of them know it'll take AGES for it to ever get resolved, and by that time they're already long-gone and have withdrawn any XXXX they had in that account. They make it too easy for scammers to operate on their platform. I'm negative XXXX XXXX dollars in my XXXX account right now and the only slight chance I have at maybe recovering some of the funds is if Paxful responds in a timely manner before the scammer moves onto a different account. This account had an insane history of successful trades and good reviews ( XXXX trades and only XXXX bad reviews ). I'm not new to being a vendor on Paxful. Anyone would've traded with this guy. I need Paxful to respond immediately or my funds are definitely going to be gone. 

Side Note : how the XXXX has Paxful not fixed this issue yet. There's a simple solution : IMPLEMENT BETTER/FASTER CUSTOMER SUPPORT OPTIONS. THE SCAMMERS WOULDN'T BE DOING THIS IF THEY KNEW AN ISSUE COULD BE RESOLVED IN A MATTER OF MINUTES, WOULD THEY??? No, they wouldn't. There would be no coinlockers in open trades and this simple solution would make the entire platform better. They clearly don't care to listen to anyone 's complaints and their entire reddit feed is just filled with people telling story after story on how each one of them got scammed. The solution is simple, they are aware this has been an ongoing issue for years, they definitely know how to solve it, why haven't they done it? Because they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS has yet to answer my questions for over a year would not let me speak with the escrow dept or the legal dept regarding my complaint. The customer service and ombudsman have no authority to update or change anything. These people have NO CLUE!! SPS can not correct XXXX until XXXX is corrected. 

1. We have raised the same questions due to the lack of clarity from SPS as to the reason for the months long delay in updating/crediting the insurance and tax information to reflect the corrected amounts in addition to the {$1400.00} escrow only payment. 2. SPS has yet to explain why my payment of {$890.00} changed between XXXX XXXX XX/XX/XXXX prior to the new policy effective XX/XX/XXXX. When the payments were made in advance. Then added additional funds for the same months?? 3. All insurance and tax information should have been updated immediately as the policy change took effect XXXX days after the effective date in XXXX, as well as the check applied in XXXX. All insurance and tax information and payments were sent within 24 hours of changes and it took Months to correctly apply resulting in what SPS is calling an ESCROW shortage in XX/XX/XXXX and applying monies wherever they want. My first payment was not due until XX/XX/XXXX more than enough time to correct the insurance tax and escrow for XXXX XXXX XXXX 
4. The information and numbers all come from the initial SPS XX/XX/XXXX Escrow on table 3. Never updating the insurance and taxes or crediting the account SPS continued to run incorrect information on my Escrow analysis resulting in an increased and incorrect monthly payment from day 1. As reflected in their response and multiple escrow analysis. BASED ON SPS INCORRCT ESCROW NUMBERS THE DEFICIT OF {$2500.00} SHOUD BE A CREDIT OF {$230.00} ONCE INSURANCE AND TAXES WERE UPDATED AND PAYMENT OF {$1400.00} APPLIED TO ESCROW IN XXXX, A NEW ESROW ANNALYSIS SHOULD HAVE BEEN RUN TO REFLECT THE UPDATED INFORMATION AND NEW PAYMENT!! IT DID NOT HAPPEN! I WANT A NOTICE of ESCROW ERROR FILED FOR XXXX. 5. What is a bankruptcy payment and what was the amount? Why was it added to my XXXX and February XXXX monthly payment? SPS states XX/XX/XXXX they transferred {$1700.00} to satisfy both XXXX and XX/XX/XXXX. 
6..ROLLING ALL OF THE INCORECT INFORAMTION FROM XXXX THE SAME THING HAPPENED IN XX/XX/XXXX WHEN I SAVED ANOTHER {$2700.00} ON HAZARD INSURANCE. 
XXXX. XXXX XXXX I MADE A XXXX XXXX OF {$960.00}, XXXX XXXX ANOTHER PAYMENT FOR {$2600.00}. WHERE DID MY MONEY GO????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After checking my credit report with XXXX, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. XXXX violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by XXXX but the problems were not corrected.

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 2022-08-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Someone stole my wallet with my social security card and ID. They have now tried to open XXXX accounts in my name. Luckily I have frozen my credit and reported fraud to all three bureaus, but now I am reporting to the FTC as well. Just to cover all of my bases.

Company response to consumer: Closed with non-monetary relief