vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit 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: OH

Complaint narrative:
On XX/XX/23 I attempted to book a hotel room at XXXX XXXX in XXXX XXXX, Utah online. I thought I was on the XXXX website but was actually on a third party website. The room was supposed to cost approximately {$190.00} and that was the price I was shown at checkout. However, once the transaction went through, it showed that I was charged an additional {$100.00}. 

I immediately called the number on the receipt to dispute the charge. That is when I learned that I was dealing with a third party. The person on the phone said the additional {$100.00} was for fees that were listed in the fine print and said the transaction was non-refundable be ause the room was alrwady booked. I canceled the transaction anyway and then called the hotel to make sure the booking was cancelled. 

I called Chase, my bank and credit card company, to dispute the charge. I told them that I was charged a higher amount than what was shown to me. While it took a few days for Chase to act, they did suspend the charge and opened a dispute. However, on XX/XX/23, I received notice from Chase that they considered the transaction legitimate and I was responsible for paying it. 

I am filling this complaint with the CFPB because the transaction was clearly fraudulent. I was shown one price but charged another higher price. I acted immediately to attempt to cancel this charge and bring it to my bank 's attention. Chase did nothing to advocate for me or protect me and is now saying that I have to pay {$290.00}. I hope the CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't and never ever agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I need help! 

I am writing to express my deep concern and frustration regarding my application for XXXX XXXX XXXX XXXX ( XXXX ). I have been diligently paying my student loans to XXXX since graduating from college in XXXX and have dedicated the past 20 years to serving as a public school XXXX for the New York XXXX Department of Education. As such, I believe I clearly meet the requirements for XXXX. 

Unfortunately, I have encountered several confusing interactions with representatives and a complete lack of clarity regarding my application status. Despite submitting my application and providing all required documentation, I have been unable to get a definitive answer regarding my eligibility for forgiveness. I have been continuously directed to apply for consolidations without any explanation for why these additional steps are necessary. 

This lack of communication and transparency is extremely stressful and disheartening. After faithfully fulfilling my commitment to public service and diligently making loan payments for over 20 years, I find it unacceptable that my application remains in limbo without any clear explanation or path to resolution. 

I urge you to review my application and provide a detailed explanation of why my loans are not being forgiven. Additionally, I request that you investigate the communication breakdown I have experienced and ensure that I am connected with a knowledgeable representative who can address my specific concerns and provide clear guidance on next steps. 

According to XXXX website XXXX XXXX XXXX XX/XX/XXXX. I am available to provide any additional information requested and look forward to your prompt and thorough investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: TN

Complaint narrative:
Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. KiaMotors XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer 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 2023-12-06 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: GA

Complaint narrative:
I am a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: GA

Complaint narrative:
I am a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : 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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
They keep calling my phone harassmenting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS continues to violate my consumer rights while I continue to attempt communication through mail and emails. Pursuant 15 U.S.C1691 ( a ) ~~ Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter. I have submitted multiple applications to AMERICAN EXPRESS and have been denied open-ended credit plan on each occasion due to discrimination against me for exercising my rights in good faith under ECOA ( Reg. B ), FCRA ( Reg. V ), and FDCPA ( Reg. F ) against previous Debt Collectors. My dealing with any debt collector or company reporting on a consumer report is PROTECTED and can not be used to discriminate against me. I have right dispute inaccuracies and unfair practices related to credit reporting and collecting. I have a right to maintain the security and privacy my non-public information. I have attempted to find remedy with AMERICAN EXPRESS for the discrimination against a consumer exercising their rights. No response has been received. I seek compensation and penalties placed against AMERICAN EXPRESS for each violation of willful non-compliance. AMERICAN EXPRESS has offered no benefit at all. I am a creditworthy consumer and seek immediate remedy to discrimination and access to the accounts. 
XX/XX/ Ref : XXXX XXXX XXXX XXXX Ref : XXXX XXXX XXXX XXXX Ref : XXXX It is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action, which includes denying credit, offering less favorable terms than applied for, or even closing an existing account, against a consumer. These adverse action letters attached are both proof and evidence of that discrimination, AMERICAN EXPRESS should be held civil and criminally liable. I seek immediate compensation for the use of my securities, otherwise this would be considered fraud. I have received NO BENEFIT for the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I leased a car through American Car Care Center. I never received any notice stating American Car Center was going out of business or filing bankruptcy and another company will be taking over. Around XX/XX/XXXX, I started receiving calls from a company name Westlake Financial. Because I have been a victim of someone stealing my identity, people from another country was calling me asking for my bank card/credit card for payment, I refused to provide my personal information mainly my bank account information. I requested written correspondence by mail but I was never sent the information. Also, American Car Center verified my information many times prior to them going out of business and sent me correspondence by mail but no letter regarding them going oit of business. I found out that American Car Center went out of business when XXXX XXXX told me and I called them at XXXX to pay my car note but I got a phone number is no longer in service message. I never heard of Westlake Financial until they started calling requesting payment. They repossessed the car in XX/XX/XXXX, and although I no longer have the car, they still have it in my name the last time I checked ( my licenses where suspended but the State fixed it ) and the State if Florida checked and I tried to get them to resolve the issue but I have been unsuccessful. I believe they are committing fraud.

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 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Today, I noticed my credit was hit. I called up the debt collection agency, Wakefield and Associates ( phone number XXXX ) and they said that XXXX XXXX was collecting a debt for {$2900.00} for an XXXX  visit to XXXX XXXX. I called up the XXXX XXXX billing department ( phone number XXXX - XXXX ) and they looked through their billing system and could not find any bills owed. They transferred me to their physician billing department and they could not find an account with my info in their system. I called back Wakefield and Associates, this time they gave me another source of where the debt was coming from called XXXX XXXX with the account number XXXX. I did a quick XXXX  search of XXXX XXXX and there are many complaints about how a company under that name was trying to collect a debt that was not owed or already paid. I am so frustrated. We should not have any medical debt to begin with. We have been on XXXX  for the last year and should not owe a balance. This debt was specifically for my son who was born with XXXX XXXX and was covered automatically by XXXX from birth anyways. If it helps out, I have my son 's medical insurance and ID number and the phone number to his plan. It is XXXX XXXX, the phone number is XXXX, and his ID number is XXXX. My son passed away last year from this hospital visit and I am just so upset that I am being preyed on for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX  & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation oXXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: KY

Complaint narrative:
Integra credit charges over a 100 % interest rate. To date I have paid XXXX and still owe of XXXX. I am unable to continue making these payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
My XXXX credit report shows this unauthorized loan that i never received of {$3100.00}. from a Transform Credit Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. ( XXXX ) XXXX, XXXX # XXXX opened on XX/XX/XXXX  and closed on XX/XX/. This account is fraudulent and has a fraudulent address of XXXX XXXX XXXX, XXXX GA XXXX in which i never lived at. I have contacted the company by telephone and email to remove this erroneous account from their records and my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did a credit report check today and I found out that this Fico score agency did a credit pull on my Equifax credit file without my consent. 

I never did any transactions with the company, and I didn't receive any offers from them. 
They don't need to be on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' Chase bank is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' Chase Bank the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or Chase Bank whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. Chase Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following 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. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State 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. 15 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

Company response to consumer: Closed with explanation