vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I submitted a Dispute with Chase bank regarding {$280.00} XXXX worth of fraudulent charges and reported my card lost/stolen and had my card shut down. Chase issued a temporary credit and then reported that they have found the charges to be mine. 

I called in to change bank on XX/XX/16 and was told there is no re-open process to re-open my fraud claim and that I would just have to accept the decision. I explained that I would be getting an attorney involved as well as reporting the incident to the better business bureau. 

My account was charged multiple small charges over a span of about XXXX days which should have immediately alerted chase to fraud. These charges were as an example, XXXX charges for {$2.00} at a deli ( should have been flagged immediately as fraud ), several charges from a smoke shop, XXXX years of having an account with Chase I have never shopped at a smoke shop because I dont smoke, talk about unusual spending which is definitely a red flag and additional charge in XXXX XXXX XXXX and XXXX no where near where I live. 

Chase refuses to resolve this dispute as my banking institution. On the recorded call the Agent stated that because XXXX charges in between the fraudulent charges were mine, they declined my fraud claim, which makes absolutely no sense as these charges are from online vendors in which my card is already saved and I did not need my physical card in my possession to make the purchase. Then I was transferred to a XXXX that was equally unhelpful who stated that they just can not find any fraud and why did I wait so many days to notice the fraud charges. 

I refuse to allow {$280.00} of money that I did not spend be taken from me when I have never had any fraud issues in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried to login to equifax to check on the status of freeze but the website would say that my username/password is incorrect. There is no way to get out of the loop without calling their number, which has more than an hour of wait time. This has also happened multiple times in the past wasting a lot of my time for no reason. In particular, on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I had the same issue. Is there a way to resolve this? I just want to be able to login just like any other individual but the company is actively preventing me from doing this with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
The Credit Card Company Refused to Close the Credit Card Account on XX/XX/2023 and have charged the Cardholder late Charges. 

The Credit Card was requested closed by the Cardhold and the Person Filing the Complaint. The customer service worker refused to completed the Cardholder 's request. The Credit Card has been paid off and only the open account monthly fees were billed, similar to debit card fees. Keeping the account open was nolonger useful and Frivolous spending. The Credit Card Company charged the Cardholder 's Account twice for latest fees while available credit for the monthly fees were on the Cardholder 's Account Balance. On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. I am not sure of the accuracy, it should show on the monthly statements. The Credit Card Company never returned the available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: The Cadle Company
State: FL

Complaint narrative:
Hardship letter sent which was refused : With all the required evidence.

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 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
USAUTO Sales sold my finance loan to Westlake Profolio without notice and when I pay my car payment my loan is not decreasing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX  XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # 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 2023-08-16 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: NM

Complaint narrative:
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. The letters are stated with items and issues. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 tha

n seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any c
onsumer 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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am writing to express my grave concerns and to file a formal complaint against American Express, their legal representation, XXXX XXXX XXXX, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with American Express of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of $ XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to XXXX XXXX XXXX, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when XXXX XXXX XXXX took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and XXXX XXXX XXXX ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
An alleged debt was placed on my credit report from I C Systems without an notification before hand for the company XXXX. I called I C Systems and asked why I did not received any correspondence before the alleged was placed on my credit report. I C systems responded by claiming they had mailed a letter to a so call address that there are aware that I no longer lived. How do I know this, I C Systems updated my credit report with my most up to date address, this is proof that they indeed knew my correct address and refused to send me correspondence before placing an collections on my credit report. Another instance of how they do not follow the rules that govern them. 
Moreover I have proof that this alleged debt was paid to the original creditor, and therefore I do not owe the debt that is being reported on my credit report by I C systems. I called I C Systems to rectify this problem and they have no interest in doing so which forces me to write this complaint. Attached is a copy of my XXXX receipts, along with the confirmations numbers and tickets numbers. This alleged debt is to be removed immediately as it is fraudulent. Neither is the alleged debt to be updated to paid in full as the debt was NOT paid to the collection agency but to the original creditor. 

Payment information First Payment Confirmation # XXXX Second Payment Confirmation # XXXX First Ticket # XXXX Second Ticket # XXXX Total Amount Paid {$160.00} Total Amount Due {$0.00} Please see attached details attached below with copy of receipt from the original creditor. 

NOTE this is the XXXX ( XXXX  ) complaint filed with the Consumer Financial Protection Bureau with this company

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 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute regarding several violations I have identified on my credit report. I am seeking your assistance in addressing these violations and enforcing my legal rights under applicable consumer protection laws. The violations pertain to the following accounts : XXXXXXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

XXXX. XXXX Account Number : XXXX Violations : - Incorrect high balance - Inaccurate date of last activity - Reporting reaged accounts - Reinsertion without proper notice - Undated late pay - Charge off listed as open - Collection account with a limit Violations : These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Fair and Accurate Credit Transactions Act ( FACTA ), including sections 605B, 611, 623, and 807. 

XXXX. Personal Information Error Also Known As : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting incorrect personal information in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ). 

XXXX. XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

These violations have had a profound impact on my life. The inaccuracies and unauthorized inquiries have created significant stress and financial uncertainty. For example, my pursuit of housing has been hindered by these inaccuracies, causing me to miss out on housing opportunities that could have greatly improved my living conditions. Additionally, the emotional toll of constantly battling these inaccuracies has taken a toll on my mental well-being, affecting my ability to focus on my responsibilities. 

I kindly request that the aforementioned creditors be required to remove these unverified accounts from my credit report in accordance with the applicable laws. Your intervention is crucial in rectifying this situation and ensuring that my consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a prompt resolution that restores accuracy and fairness to my credit report. 

Sincerely, 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The information is not correct or up to date. 
Old information keeps reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The information is not correct or up to date. 
Old information keeps reappearing.

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 2023-08-17 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I filed a dispute with credit card company. Company denied my dispute. I filed a complaint with this agency. Ally bank responded, see attached letter. Ally credited my card in the amount of {$250.00} on XX/XX/2023. On XX/XX/2023 Ally reapplied the charge back to my account without contacting me or investigating the dispute. Letter states that " if proper evidence is provided in the allotted timeframe the charge may be reapplied to your account '', see attached letter dated XX/XX/2023. Ally did not provide to me any evidence or documentation from the merchant whatsoever. Ally simply reapplied the charge without reason or justification.

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 2023-08-17 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XXXX  Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove all late payments ( XX/XX/2022, XX/XX/2022 ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: IL

Complaint narrative:
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.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A month ago, I opened a personal checking account with Chase because I had received a cash bonus coupon by mail. I was supposed to get a {$220.00} cash bonus after I get an electronic payment of {$1000.00} ; however, after I received several electronic payments, which their system recognized as direct deposit, Chase refused to fulfill their promise to grant me with the cash bonus, stating that they only honor payroll or retirement direct deposits, which was not originally in their terms and conditions. Electronic payments are still counted as direct deposits, and I should get my {$220.00} cash bonus, which inspired me to open that checking account, and Chase deceived me by making me sending me a welcoming coupon and refusing to honor my bonus. I feel very devastated, used, and abused now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account 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 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief