vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I made a purchase online XX/XX/XXXX in the amount of {$530.00} from XXXX and use the online credit account supplied by Affirm. After completing my purchase I received a credit line from Affirm. I then proceeded to wait for my order which never arrived within 30 days. After contacting the distributor I learned that XXXX never place the order. XXXX had received payment in full from Affirm for the total amount of {$530.00}. I had begun paying the loan and made 2 total payments of {$300.00} towards the amount borrowed. After learning the product was never ordered I canceled the order XX/XX/2022. I received confirmation that the order was canceled and the money was refunded from XXXX in the total amount. Affirm never credited the account for the return amount. After contacting affirm multiple times Affirm sent email saying it was 60 days past the date of purchase and that they can not help me with the refund credit to the account. I have shown proof to affirm of the cancellation and refund from XXXX. The Affirm has stated they had not received any money refunded from XXXX and that I'm still financially responsible to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc.
State: IL

Complaint narrative:
I reported a list card on XX/XX/XXXX and was processed a replacement to arrive within 7 to 10 business days. I did not receive this card and then processed another for XXXX to be delivered within 2 to 3 business days after XX/XX/XXXX. I have chatted with the customer service reps multiple times and the continue to tell me to wait and that a tracking number has not been processed by the couriers yet. The charges appear as administrative debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm unable to temporarily lift the credit freeze on my Equifax account. The website claims that we should be able to do it on the website but every time I login, I see this message : " EQUIFAX CREDIT REPORT STATUS We are temporarily unable to retrieve the status of your security freeze. 
Please try again later. '' I've had this freeze over a year and every time I go to their website, this is what I see. 
Their second option was via phone and I've been able to temporary lift the freeze this way in the past but today I'm not able to do it because of a problem with their XXXX not being able to understand the response to the security questions. I've tried multiple times and was not successful. 

When you try to lift a security freeze on the phone with Equifax, it will prompt you for your SSN and address which the XXXX was able to recognize my response when I punch the numbers on the phone. When they start asking personal questions about your credit and allow you to answer them with XXXX to XXXX. The XXXX keeps saying " The didn't get a response from me '' regardless of me entering the number and # for the answer or saying the answer. 

Then there is no way for me to reach an agent to unfreeze because when you call equifax, it just keeps routing you to the automated system. 

These are the XXXX numbers, I've called Equifax to do this : XXXX and I also tried calling this number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: OK

Complaint narrative:
We are one payment behind on our mortgage for {$800.00} with 21st Mortgage. XXXX XXXX, Financial Counselor sent an email saying we could apply for XXXX, which we have done and our application is currently under review as of today XX/XX/XXXX. We have called XXXX, from XXXX and left a voicemail this morning. I called to make a payment for {$800.00} which they eventually took. They have been refusing to take my payments because I am one month behind. But I'm waiting to hear back from XXXX. They continually are harassing via email, and on the phone. They transfer calls to another person who continues to harass. Today when I called to make the payment the lady on the phone wouldn't take my payment until I told her why we are still a month behind. I told her I'm waiting on XXXX and she put that in the system. I asked her if she wanted my routing/checking number. She said she needed approval then transferred me to her supervisor who also wouldn't take my payment. She transferred me back to the other rep and then told her she could take my payment. Then she told me they can't keep working with us like this due to being a payment behind. 
I'm tired of being harassed by this company and it isn't just me. I've read reports on XXXX against this company. I sent an email stating I would pay on the XX/XX/XXXX which is the due date. XXXX XXXX from XXXX said back in an email she can't take that kind of payment arrangement. Which I paid today XX/XX/XXXX after they harassed and refused to take on the phone bouncing back and forth between rep a Supervisor. Please investigate. My understanding of the law during Covid is if you try to make a payment and they refuse they still have to count it as payment in full. I have all emails between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Proved chase @ XXXX XXXX XXXX a power of atty on XX/XX/XXXX they have not processed our request today is XX/XX/XXXX. 
My brother in XXXX had XXXX we have a power atty to chase si we can manage his account. He has in XXXX. In account we need to make deposits and pay his bills. 
He had a XXXX XXXX on XX/XX/XXXX. No linger moves freely or talk. 
Please help us get this account back taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was given a unpaid check of {$3500.00} and I did not know it was unpaid and It was on hold for a few days before it could clear and it was cleared into my account then I gave the money back and after a few days later the check bounced from my account after the transactions went through and i am now down {$3500.00} in debt because of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
I received an alert from XXXX XXXX XXXX XXXX my finacial institution credit alert stating there was an alert for suspicious activity and possible fraud after which I logged into my XXXX credit online account and found it was an account opened in XX/XX/2022 in my name with Capital One and it was reporting late payments and possible Collection account. I am currently deloyed in XXXX and I have not been in the US for over XXXX... So I used the contact number found on my credit report to contact Capital One to let them aware it was Fraud ... after I called XXXX to make a dispute on the inquiry and account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: PR

Complaint narrative:
The XXXX XXXX are reporting late payments in my credit, and i paid on time.

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 2022-06-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXXXXXX XXXX XXXX  self lender. I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
On XX/XX/2022 I called the bankruptcy court in Maryland. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times. 

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was fraudulently charged {$29.00} 9 times which came out to {$260.00} on XX/XX/2021. 
I filed disputes for all of the charges and the refund was approved XX/XX/2021 but I never received compensation I also have called countless times and talked to plenty of managers and they keep giving me the run around saying they will escalate and sent it to there higher ups. 
So at this point I feel like there should also be Interest because over half a year is considered beyond unreasonable in customer law. 
The account was XXXX by Comdata.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).

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 2022-06-17 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: EQUIFAX, INC.
State: PR

Complaint narrative:
The XXXX XXXX are reporting late payments in my credit, and i paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
The XXXX XXXX are reporting late payments in my credit, and i paid on time.

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 2022-06-17 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: AZ

Complaint narrative:
Fraudulent inquires reporting on my credit, that I did not apply for and without my consent. 
Please delete inquires XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-06-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX have not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX

Company response to consumer: Closed with explanation