vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I XXXX, a living woman was contacted by Delta Platinum American Express. They closed the credit card account before notifying me. After closing the account I continue to receive harassing calls 4 to 5 times per day for over a month starting in XXXX. I asked that telephone communications stop because it was at all times of day, while I am at work or other inconvenient times. I requested that communication to be kept in the mail. The agent agreed, stating that it will be added to the files. 
Two days later the calling continue back to back during my work days, driving home, at the doctors office. It was driving me insane. I was scared to answer the phone. Last week my mother received a telephone call stating that American Express is trying to reach me. I spoke to the agent and again requested that communication kept in the mail. I did not give Delta American Express to contact a third party because that is violation of my privacy. 
On Sunday XX/XX/XXXX my mother received another call from American Express. She hands me the phone, it American Express again, after demanding that communication should be kept in the mail. I spoke to the agent. I asked that they stop harassing me. I requested communication through the mail again. This is now the third time. I did not give permission to call and harass someone else. 
I stated that I will make the payment in full after receiving a verification of the credit agreement. The agent proceeded to ask me why I wanted a verification if I made previous payments. He threatened that my information will be sent to the credit agencies and that my it will be bad for my credit because a collection agency will start calling me next. I did not give permission for my personal information to be shared with any third party but theyve already done so when contacting a member of my family. This is harassment. Ive been harassed since XXXX. Today, again I received another telephone call from the company after requesting to not receive telephone communication. This company has violated my human rights in many ways. It must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: CA

Complaint narrative:
I contacted Chime twice about a XXXX XXXX card that was fraudulently opened using my email address, my name and possibly my XXXX. I called their customer service number and selected the fraud option. I explained that I believed my email and information was used to fraudulently used to open a Chime debit account. It was sent to my son 's address in another state, since I had co-signed for his college apartment. I explained that I found out about it because I received an email stating that the card was on the way. The representative went in, found the account and told me that he changed the email address. to something else. I asked for more information on the account as it was fraud and they said that they just removed my email from the account and that was it. I asked to be transferred to someone in the fraud department because I wanted to know what they were going to do and to have them provide me more details. I did get a reference # and the person told me I would get an email. I persisted and they said I was being transferred. Nope, right back to account management. I then got an email stating that my account 's email address was changed to something else that was similiar by different than my real email address. 

Later that day, the XXXX debit card arrived. I called back and asked to speak to a supervisor because the incident did not get taken care of and I was not confident unless I spoke to a supervisor. For 20 minutes the representative kept asking to help and saying all supervisors were busy. I mentioned I would wait but after 20 minutes, the representative terminated the call saying I was unwilling to work with them or something like that. 

Chime is not interested in dealing with reported issues of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
MY MORTGAGE LOAN SERVICER IS UNITED BANK. 
LOAN # XXXX. 
I HAVE BEEN MAKING PAYMENTS REGULARLY. 
EVERY MONTH I AM ASSESSED A LATE FEE- THE REASON IS THAT THE PAYMENT IS NOT POSTED BEFORE THE LATE FEE DATE WHICH TYPICALLY IS THE MIDDLE OF ANY MONTH GIVE OR TAKE A DAY. 
I HAVE BEEN USING ONLINE BILL PAY OF XXXX  AND PAYMENTS ARE MAILED 7-10 DAYS BEFORE THE LATE FEE DATE. DESPITE RECEIVING PAYMENT IN TIME THE COMPANY DOESN'T POST IT FOR DAYS AND FREQUENTLY POSTS IT LATE AND THEN ASSESS A LATE FEE. THERE IS NO OPTION I AM TOLD OF MAKING DIRECT PAYMENT - LIKE FROM THEIR WEBSITE OR ACH. 
WHENEVER I CALL THEM THEY TELL ME THAT I CAN NOT TALK TO ANYONE IN THAT DEPT AND THEY WILL HAVE THEM CALL ME. THOSE calls HAVE NEVER BEEN RETURNED EVER IN LAST 5 MONTHS I HAVE BEEN HAVING THIS ISSUE. 

THIS IS REALLY PREDATORY BEHAVIOR. THEY ARE HOLDING ON TO THE PAYMENTS AND NOT POSTING IN A TIMELY MANNER. WHAT'S SUSPICIOUS IS THAT THE PAYMENT POSTING DATE IS ALWAYS ONE DAY AFTER WHICH THEY CAN ASSESS A LATE FEE. 
THIS SHOULD BE LOOKED INTO ASAP. 
THEY HAVE POOR CUSTOMER SERVICE AND ARE NOT SERVING CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC
State: MT

Complaint narrative:
I was allowed to get out of my lease at XXXX XXXX  early because of an incident that occurred at the complex. I cleaned the whole apartment for 5 days and had the carpets shampooed with a professional carpet cleaner. I followed all of the instructions on the move out guideline the complex provided and beyond what they required since I had read all the XXXX reviews about the place charging grossly exaggerated move out fees. I took photos of everything and had the maintenance guy look at the apartment before I turned in the keys. I was out on time and left the place better than I got it. I month later I get some fees regarding a violation and the carpet. I disputed the charges with the complex and they only removed the violation. The carpet was not damaged, stained, or torn, according to their own contract, the damage would be considered normal wear and tear yet they decided to replace the carpet and send me the bill. I sent the collection agency a letter disputing the charges and gave them pictures and a copy of the contract but they ignored the evidence and proceeded to ruin my credit. I disputed it with XXXX and they have removed it twice, now I'm disputing it again and want to make a complaint again this gross overreach of unfair and unnecessary charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXXXXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This company has only caused headaches. I have a history of contesting a public record entry, and I am fully supported by the evidence. Every time I submit this company a disagreement, I get a holding letter requesting identification to prove that the claim is actually coming from me. Every single letter I have written to this bureau has been accompanied by many certified letters and countless forms of identification. I recently received another STALL mail from this company asking for additional identification just a few days ago. I am currently frustrated and utterly fed up. This will be my final attempt before filing a complaint with the attorney general and filing a suit for forcing incorrect information upon my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: IL

Complaint narrative:
The collection agency Berlin-Wheeler-k keeps reporting this fraudulent account to my credit report they will remove it then add it back the amount is XXXX they keep reporting it as a new account in collections recently they reported the the account. it read as follows Between XXXX and XXXX a new account is in collections

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 2023-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : XXXX, Bankruptcy XXXX  XXXX-dismissed Reference number : XXXX and XXXX XXXX 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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
A third party company ( Convergent ) claims to be representing an Internet Service Provider ( XXXX ) and that we are past due. Problem is we have NEVER had an account with XXXX. I contacted XXXX, in case they were a company we used to know but under a new name. XXXX assured us we did not owe them anything and did not have an old account with them. 

Convergent is sending invoices by mail with instructions to pay them directly. 

Thanks XXXX XXXX XXXX *Convergent lists their address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA 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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I do not owe ic system any money. I understand they are debt buyers. I do not have a contract signed by them. I request them to ceast and defrain and communication done by postal service only. I want this collection delete from my credit report ASAP

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 2023-05-23 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: OK

Complaint narrative:
On my consumer credit reports from Experian and XXXX, there is a auto loan from XXXX XXXX XXXX XXXX account # XXXX ... .opened XX/XX/2017. 
The problem is that the account list Terms of 84 months and the contract shows XXXX  months for the term of the loan and the contract also shows a purchase price of {$26000.00} and the account listed on the credit report shows a purchase price of {$24000.00} The account is not listed correct on the credit report, and the FCRA does state that everything on a consumer credit report must be 100 % accurate. I have tried to get the account corrected or deleted from the report for this violation, but the XXXX and Experian CRAs just says the account comes back as verified but they do not say how they did the investigation on the account. This is a clear violation of my rights and would like to have this situation solved. Also the account shows XXXX late payments and they never could prove to me that there was ever a late payment on the whole account. Both CRAs have a copy of the contract with this account proving everything I have tried to get corrected on the account. XXXX deleted the account for not reporting correct.

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 2023-05-23 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: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. TransUnion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
While an insurance claim on XX/XX/XXXX was being processed I continued to make loan payments to keep my account from being delinquent. After the insurance companies made their over $ 60k of payments to CHASE the account was paid in full and ended up overpaid because of my continued payments during the process. Over a month I contacted CHASE for a status on my overpayment refund as the loan was paid in full. They gave me some excuses and refuse to refund me my money at all stating that they needed more paperwork from the GAP insurance company, even though the loan was already fully and totally paid off. I was never informed of this ask from them until I called. I contacted the GAP company and they were not responsive with what CHASE wanted but they already paid. After contacting CHASE again on XX/XX/XXXX I was promised a callback from a supervisor because the agent I spoke with could not understand why my refund was not processed either. I never received assistance or callback. CHASE still refuses to issue me my refund for my over payment and XX/XX/XXXX said they will keep my money unless the GAP insurance gives them more paperwork. 
CHASE received the full loan repayment. They have their money. I just want mine. They refuse to offer to pay me interest on my funds that they are holding, they refuse to explain what that paperwork has to do with my overpayment of the amount owed, and are holding my money XXXX for something between them and the insurance company thats out of my control. CHASE was fully paid months ago! They will not explain the reason they want that paperwork, only that they are requiring it, and on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX at CHASE XXXX did not want to deal with my problem and even refused to answer my basic account questions such as what my original loan amount was, the balance, and she treated me very unfairly because I simply wanted a clear and full explanation of the problem. I am truly shocked by my treatment by her. Basically at this point there I was told by XXXX at CHASE there is no way for me to ever get my money returned from CHASE unless the GAP insurance company decides to give CHASE the papers they want. Getting the $ wasn't good enough for CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax at XXXX on XX/XX/XXXX at XXXX Pacific time to dispute an inquiry that I did not recognize ; it looked like someone applied for an account in my name without my authorization. The representative at Equifax stated in order to identify me I needed to provide to her a copy of my driver license front and back and that I needed to send her a copy of my police report to start the investigation. I questioned her and stated the FCRA did not require all this to investigate. She paused and said that she was following FCRA. She seemed very agitated and said there was another way to identify me, that I had to read information on my credit report. I read many, many accounts, over 20 accounts that are currently open, along with the dollar amounts, dates open, etc. That was not enough, she then asked for me to tell her the names of whatever installment loans, student loans or auto loans that were no longer open. She asked for the dates open, amounts information regarding the accounts. Finally it seemed like she might take my dispute. She asked which account inquiry I wanted investigated and removed. I told her it was XXXX XXXX dated XX/XX/XXXX. She asked is this the ONLY item? I said yes. Then she said that she wanted to help but that she needs a copy of the police report to get the account investigated. She seemed annoyed and asked did you ever write to Equifax to get this removed? I said no and explained this is why I was contacting her now and that I would like for her to help me. I reminded her that FCRA does not require a police report and I asked to speak to her supervisor so I could get the help I needed. She left me on hold. I held on the line for over 15 minutes in silence, then I heard music, then silence again for over 15 minutes. No one ever picked up the phone after waiting on the phone for nearly an hour ( see attached screenshot ). As I waited, I decided to reach out to you, the CFPB for assistance, because it was clear I would not get any help from anyone at Equifax. They are clearly violating the law if this is how they treat consumers. Please help me to get this unauthorized inquiry verified and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have had a Synchrony Care Credit card for over 3 years and have worked tirelessly to pay off any and all balances as quickly as possible when Ive used it. Without warning, on XX/XX/XXXX, they closed my account. After spending literally 45 minutes on the phone I was transferred to an account manager who simply stated that they reserve the right to close their cards whenever they do a review of the persons credit, debt to income ratio, debt to credit ratio and other factors. My spouse is undergoing XXXX treatments and this card was my lifeline. It had a XXXX balance with a {$1000.00} line of credit and we needed to use it this week for treatments. They left the other 2 cards I have with them with much smaller balances open, because of course theyre making money from the interest. 3 years Ive paid this card off whenever its been used without fail. Their complete lack of empathy or ethics is absolutely astounding. Why can they just close an account and reply with Weve mailed notification to you as to why but then not close the accounts with a balance? That just raised my debt to balance ratio significantly and my spouse CAN NOT WORK and is seeking treatments for XXXX XXXX What am I supposed to do now, that I really need those funds? Theyre response of, you can always reapply or see if you prequalify was not sufficient. They could have lowered the balance or reached out to me BEFORE just closing the card with impeccable payment history. I still dont have the email or letter they allegedly mailed out 3 days ago to tell me they closed my account without ethical cause or reason. I guess they were not making enough of a percentage return to value the fact that this card was incredibly important 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