vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: SC

Complaint narrative:
For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my credit score My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below.. 

XXXX XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. 

US Dept. of Education Account number : XXXX There are different monthly payments across the XXXX credit bureaus. Equifax monthly payment states {$470.00}. XXXX and XXXX states {$0.00}. 

XXXX XXXX Account number : XXXX The date last active is different across the XXXX credit bureaus. XXXX  date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
Received a 0 % APR until XX/XX/2023 on balance transfers in XXXX from XXXX. I received their cashier checks to make the withdrawal and use the money to pay off the other credit card. The withdrawal for the balance transfer I made was for {$4500.00}. I continued using my card to pay for items, and paid down to {$4500.00} to make sure I don't get hit by any additional interest on anything above the promotional balance. 

I paid down the amount to {$4400.00} to ensure that this wouldn't happen again and that I have some buffer between my promotional offer and the rest of my usage. 

On XX/XX/XXXX I still got hit with interest rate even though I was under my promotional balance of {$4500.00}. I called USAA and spoke to a representative and he confirmed everything was good on his end and he didn't know what caused the interest fee. So he had it removed completely. Now a month later XX/XX/XXXX and I am still getting hit with an interest fee. I spoke to representative today at USAA, XX/XX/XXXX, and they claim they now can't find any agreement we have made nor any balance transfer promotion even though I still have the original email which they can't seem to locate at all on their end. This is an extremely shady business, and this isn't the first time they add fees or interest on promotional offers. They had to settle out of court a few years ago for the exact same thing and now they are still doing it and it is incredible to me that they are being allowed to get away with this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-24 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: GA

Complaint narrative:
In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : 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 2022-10-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is in violation of several laws under the Fair Credit Reporting Act ( FCRA ) and in violation of the Gramm-Leach Bliley Act ( GBLA ) and are reporting things on my credit, that by federal law are not supposed to be reported on my credit report. I have made several request to have the things corrected, yet I have been ignored and Equifax still continues to violate the law in which they need to be held accountable. As a company Equifax does not abide by the Fair Credit reporting Act ( FCRA ) at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC
State: IN

Complaint narrative:
I have been working with XXXX XXXX XXXX ( XXXX ) for XXXX years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission. The assumption is now under review. ( attached document ). This process has taken so long due to the fact the mortgage company would not accept the Legal Affidavit submitted by my attorney. This affidavit is the legal document required for XXXX for the Deed. XXXX have just accepted this document in the past ( approx. ) 2 months. 

XXXX stopped the Sheriffs Sale for XX/XX/2022. However, their attorney and/or XXXX  has XXXX my home back on Sheriff Sale for XX/XX/2022. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales. XXXX stated at this time, a package was already put in for my home to be put back on sale. This package, to put my home back on the sheriff 's sale, was prior to my due date to get in all docs to the mortgage company. The mortgage company and/or their attorneys submitted my home for sale PRIOR to the stated due date. I can understand if I did not comply, but I did. How can this happen when they stated this due date and stated in a letter I complied on time? ( Letter Attached ) I need my home taken off the XXXX sale, and future sheriff 's sale dates, to give me and the mortgage co. time to get the assumption completed and then to bring the mortgage up to date via loan modification ( or another way ). Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the 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 2022-10-24 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: PA

Complaint narrative:
Experian has failed to remove the account ( XXXX XXXX XXXX number XXXX {$410.00} ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
- my XX/XX/XXXX purchase from XXXX of {$5500.00} was put into the " Chase plan '' - a payment plan. It has never been refunded by the merchant, nor should it have been. 

- on XX/XX/XXXX I made a new and different purchase with XXXX of {$7300.00} which was not put into a Chase plan - that XX/XX/XXXX purchase was refunded by the merchant when I cancelled the ticket less a {$200.00} cancellation fee - the amount refunded was {$7100.00} Chase erroneously ended my " Chase XXXX '' for the XX/XX/XXXX purchase of {$5500.00} - their only explanation of this move is that they think the amount was paid off/refunded by the merchant, when it clearly was not. 

Neither I nor the merchant paid off or refunded the original {$5500.00} purchase. Obviously that amount should still be in the Chase plan as per the terms and conditions agreed upon. Chase is claiming that they do not see in black and white that these were 2 entirely separate transactions on different dates and in different amounts with the same merchant. The {$7100.00} refund of the {$7300.00} XX/XX/XXXX purchase has absolutely nothing to do with the XX/XX/XXXX purchase of {$5500.00} which is supposed to be on a payment plan. I am being charged interest and late fees now on this purchase and it should be returned to the Chase plan that I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

Complaint narrative:
I recently contacted Experian in regards to XXXX XXXX Account. I asked them to remove/delete from my report because they are reporting inaccurate information. The XXXX XXXX account starting with XXXX has been charged off and still being updated every month as late payments. Its also a closed account charge off with a balance still reporting. From my understanding, there shouldnt any balance once charged off! I assist that this account be removed immediately!

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 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
( Cashapp ) I by mistake sent a {$1000.00} to XXXX XXXX the Wrong person who has the same name as who I would have sent money to. I tried to request money back from this person they said no. I then requested that cashapp cancel the payment I was told they can not do so. I need my money can someone help me my number id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXXXXXX 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 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

Account name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX XXXXT Account Number : XXXX Account Number : XXXX Account Name : 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no co
nsumer reporting agency may 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 non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: CA

Complaint narrative:
Someone opened a bank account online with my name, address and used my social security number. I am unaware of how they were able to access my information. The bank called me to ask if I need help with my new account that was created on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/2022, PayPal received a {$1700.00} payment to my account from a client and deducted a {$62.00} fee to process the transaction. Due to login access problems, I called by phone and requested the funds be disbursed directly me. 

On XX/XX/2022, PayPal posted a transfer of my remaining {$1700.00} balance as a " Payment to : PayPal '' and coded it as a General Account Correction, ID : XXXX. Despite repeated attempts to rectify this issue with PayPal their automated " Resolution Center '' will not accept my report of a problem and assign me a case number. Their " Message Center '' will not allow me to file a dispute. 

Even talking directly with numerous supervisory representatives including their Escalation team no one would open a claim or case on this matter. The only response I have been able to receive in months is that the matter has been escalated to their higher level team and a response will be coming via email within 24-48 hours. No response ever arrives. They have exceeded their internal timeline for review before arbitration should occur yet I have no active internal path forward. 

Supporting documents are being submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: MN

Complaint narrative:
Westlake financial services has stolen my Truck late Sunday night. I have XXXX dollars as my balance. I just paid on time XXXX on XX/XX/2022 as our agreement. Every month a pay XXXX on the XXXX. On XX/XX/2022 elven days after I paid my car note they stole my car. They tried to make me pay over a XXXX dollars for it back. Once I told them that I have in my checking account documents of me paying each month on time. They then said it was an computer glitch on their end. They will be returning me my truck. I still have not received my truck. I spent over XXXX XXXX dollars on my loan for the truck. Once they seen that I was about to pay it off they stole it. I called and reached out with them every hour on the hour about returning my truck and in the condition that it was in. Still no truck. Now they are blaming the tow company. I missing work hours to deal with problem. This was a scam and I want all parties involved to pay for it. Now I'm carless and stranded.

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 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to Resurgent. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2022 Affirm account number : XXXX Loan ID : XXXX To Whom It May Concern : On XX/XX/2022, I was approved by Affirm.com for an online purchase for a XXXX  Controller Case from The XXXX XXXX Before I purchased this Case, I called Customer Service and asked about the case, asking will the case fit my Controller without any problems. I was told the case will be a perfect fit. I went ahead and purchased the case. A Few days later the case arrived. Once I opened the box, I immediately noticed the case was huge and heavy, and it did not fit my controller as stated by customer service. 
I immediately called customer service and advised them the case was too big and it was very heavy. I asked for a return slip, and I was told the case was a Clearance sale, with no returns. When I placed the order, I did not notice any clearance sale. At this time I immediately called Affirm.com, advising them I am canceling the order and sending the case back to The XXXX  Hookup costing me {$56.00} and returning the case on XX/XX/2022. 
After calling Affirm several times to resolve this matter, they continue to bill me for payments and ruin my credit for {$360.00}. Last month I applied for a {$5000.00} business loan, I was declined and told I have a past due account since XX/XX/2022 with Affirm.com. I need your help to litigate this matter, asking for damages to my credit reputation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of 2019. I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the public records information inaccuracies they told me to contact the public records office of XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the public records investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Earlier today, we logged into our credit card to check the statement. At the time we discovered XXXX charges, each {$6.00} or less accompanied by {$10.00} fees for each of them. 

Upon further investigation, it turns out that earlier this month, Chase decided to add XXXX to the list of cash advance charges and charged us fees as such. 

This is not something that has ever happened before, there was no communication that was sent out to us as consumers, and if you investigate it even further online, apparently its happened to other consumers as well. 

I reached out to Chase and they refunded XXXX  of the {$10.00} fees and upon trying to push the issue refused to refund, the XXXX  additional {$10.00} fees totaling {$20.00}.

When asking them to provide wh
ere communication was sent out, they were not able to produce it. Do you want one having been a chase credit card holder for many years, to have a change like this occur with no communication is incredibly deceptive.

Company response to consumer: Closed with monetary relief