vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX with the Chase executive team confirmed XXXX claim # XXXX was denied by Chase based on an internal review by Chase claims. The reason that was providedis that the paymentwas completed via XXXX XXXX  and all other XXXX XXXX transactions for that date were not denied. This decision was made by XXXX, a claimsmanager. We have made several requests for proof that the transaction was authorized by the account holder but have been told that whatever information that was provided by the merchant is internal only. The refusal to provide proof of authorization is a violation of the Fair Credit Billing Act.It is in fact also noted in the third bullet point of your claim letter to contact Chase to request the information used for research. However, no documentation that proves authorization has been provided to us as the accountholders. 
Further, per XXXX and XXXX it has been raised that not all transactions on the same day of this claim were disputed and isthe reason for denial. We have already been in contact with XXXX to request a transaction of all XXXXXXXX XXXX purchases and per XXXX there are not any recorded. We can not find any record as there is not a transaction history available for us to review. This is the reason we contacted XXXX who has no history of XXXX XXXX transactions to provide us with. 
I have spoken to XXXX different departments today asking for all XXXXXXXX XXXX transactions specifically for the dates of XX/XX/22, XX/XX/22 and XXXX. This is a request for all XXXX transactions between the dates of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MD

Complaint narrative:
On XX/XX/XXXX, the merchant XXXX issued a refund of {$2200.00} for XXXX charges to my account which were made through a falsified XXXX account by a minor. The entire falsified account was deleted by XXXX per their policy related to the Children 's Online Privacy Protection Act ( COPPA. ) Of this refund, only XXXX credits totaling {$310.00} returned to my card. I am still being charged {$1900.00} for nothing, as the services were retracted. I have attempted to resolve the issue on many occasions, both by contacting Chase and XXXX, and both parties at the same time on a XXXX way call. 

Those attempts of resolution on my part occurred on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX. XXXX is XXXX  % positive that the refund was issued back to Chase correctly and that they are not charging for the XXXX transactions made from the deleted account. Chase bank is still charging me for XXXX transactions totaling {$1900.00}, which the merchant refunded. 

Chase denied reconciling my account by saying too much time has lapsed and they can no longer review the errors, though they had complete control over the time lapse in reviewing the dispute. The letters I received from Chase state, " our review confirms the transactions are valid, we found no evidence of a billing error. '' This response does not even coincide with the dispute of the missing refund and is not correct. Chase will give no information about the investigation, their process, or policies, and continues to charge me for the refunded money which is in their possession from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: CA

Complaint narrative:
Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with TransUnion and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.

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 2022-12-28 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I had a XXXX XXXX XXXX that used Comenity banking system. Their website has always been difficult to navigate. Plus quite often having maintenance issues. During XXXX and XXXX of 2022, their site was going to be down for couple days for repairs but it was down for most of 2 months. They were thoughtful enough to put up a disclaimer that they apologize for any inconveniences and blah blah blah wouldn't be charging any late fees while access to their website was down. Around first part of XXXX they installed a quick access to make a payment but it was non functioning also. Towards the end of XXXX, I wanted to pay this credit card off but it took half of XXXX to do so. I was able to log on and used the pay in full feature the website provided. Day or XXXX later I was able to get logged back on again and checked to see it was paid off. It showed XXXX balance and I canceled the card. Then in XXXX I got email that that I had late charge on credit card. I tried to contact them and also sent email through their website but to no avail. I had no reason to check an account that had been paid off and closed. Would think if a person paid off an account and then closed the said account, they would not be checking it again. I didnt figure they would try to scam me on a {$20.00} interest charge that they had been posted late. I suppose during this time, Comenity was too busy with the selling of their interest to Brands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Valid form of payment was refused Billing statements have not been arriving on time credit card is in past due status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC
State: TX

Complaint narrative:
during the time period between XX/XX/XXXX and XX/XX/XXXX I was out of the country. I spoke with the Auto insurance informing them the changes to the policy at the time when I left the XXXX and please place my policy on pause. 
I believe at some point progressive auto insurance canceled the policy I don't know why. if you're billing me for months that I was not a customer I don't understand why I should pay if I decide to change insurance companies at any point, and I should not be billed for months that I was not covered by your company for auto insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, obviously has incentive arrangements with different lenders for Experian financial gains and has given several my personal information, SS # and other information for the purposes of a loan that never applied for. These lenders have pulled my credit, again without my consent. They refuse to acknowledge it and correct/remedy this problem. 
I am filing this complaint to correct this issue and want to use any legal services available to make sure it doesn't happen again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear PayPal and PayPal Credit : Both should be responding this complaint and one should not be without the other for this issue or matter is in nature to a disputed filed and submitted in a timely manner in which they failed to do anything about it as I have produced and provided them with all timely related records and communication until the point that I will not continue to do any further business with either party until they can show me that I received what they are trying to charge me for or hold me full responsibility for.

PayPal Credit knows that I notified both parties PayPal and PayPal Credit and I rebuttal and disputed this charge that is on my statement.

I am only going to pay for only merchandise that I have received point blank and in accordance with the Federal Debt Collection Act that is only what I am going to do. Therefore, PayPal Credit has no reason to contact me any further because I don't have a debt with their office or their account.

Show me what I am being charged for that you think you can add interest and late charges on.

Claiming that a timely filed dispute by the consumer did not work out in such consumer favor is bogus when the consumer notified the creditor for the credit to immediately notify the merchant and request the merchant to produce the product which you are trying to make the consumer be responsible for and the merchant can not produce the software or software package under warranty which such charge is supposed to be legit. I don't pay for anything that I never received and if they allowed it to go on or go through it is the merchant or credit institution 's duty and responsibility to address, deal with, and correct it. 

This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks, XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
In accordance with the laws of debt collection, I am disputing the incorrect amount owed of {$9200.00} with TRANSWORLD SYSTEMS , INC. representing XXXX XXXX  account, XXXX. I had opened a dispute with XXXX  XXXX on Friday, XX/XX/2022. I had followed the provided instructions and completed a " Final Bill Dispute Form '' from their organization. As I had explained to the representative on XX/XX/2022 the amount is incorrect and I had terminated service on XX/XX/2022 and the account was deemed to be transferred back to the property owner as we were only tenants and were leaving the property. The " Final Bill Dispute Form '' was mailed to the following address with XXXX ( XXXX ) days of receiving as per XXXX XXXX  instructions : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX ATTN : XXXX XXXX XXXX XXXX After mailing, I never received a return response from the company only a deb collection notice on XX/XX/2022 from TRANSWORLD SYSTEMS INC . The debt amount is incorrect, I am disputing the amount and this should have been resolved within XXXX XXXX as per the customer service supervisors instructions and completion of the " Final Bill Dispute Form ''. I am subject to believe XXXX  XXXX did not respond to my dispute in writing as I never received a written response via mail or email to the address provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank Mortgage Department insisted ( loan applicant verbally and written expressed did not want ) on an accelerated appraisal charge and scheduling to loan applicant ao row mortgage lender could meet their month-end loan lending targets. This was despite the property not yet having gone through a scheduled inspection to determine if anything major needed repairs and the loan applicant wanting to withdraw his offer. Chase ended up charging the loan applicant {$500.00} for the unwanted and pre-mature appraisal. Upon request by the loan applicant to credit this charge and agreement by Chase, the {$500.00} was never credited back to the loan applicant. Additionally, the mortgage appraisal was never even shared with the loan applicant despite requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter on XX/XX/2022 from my branch indicating that they were closing my account for irregular activity and that they would mail me a cashier 's check within 15 days. It's been a year of going back and forth with US Banks Branch, fraud department, and Risk Department and I've yet to receive my funds. They froze {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation