vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
On XX/XX/2023 I contacted national credit systems inc to pay an old debt. It was from a lease that had been broken bc my life was in danger do to an abusive partner. I had put it off because I had other financial obligations. I went to rent an apartment on XX/XX/2023 and was denied because of this debt soley. So I tried to pay this debt in hopes it would resolve it. Initial contact the girl was nice. But said that they cant provide me with any receipts or proof of payment. That I would get my letter of paid in full via email within 24 hours. I said that wasnt acceptable I need a receipt or some for of proof that I paid. I got her supervisor on the phone and he was rude and aggressive. Told me I should have taken care of this sooner. But no receipts are provided. I said Ill pay online then bc I need to provide something to the apartment complex so I dont loose it. He said thats not his problem and if I pay online it will take 48 hours for the debt to clear. I chose to go online so that I had proof of payment on my end incase anything happened like that guy tried to claim no payment and pocket the money. 24 hours pass and nothing so I call back and Im sent to the supervisor who is nasty and aggressive! Telling me too bad I should have lived my life better. I started yelling bc I was beyond over his trash attitude. Told him if it wasnt resolved in 48 hours Ill contact my cc company bc this is fraud. He started saying go ahead and Ill lie and u will look like a XXXX bc its not been 48 hours. I told him he was a piece of XXXX or something to that affect and is doing this intentionally to hold my credit hostage. Bc I cant get housing without this off my credit report. And then he decides to say he is going to issue a refund. I told him he didnt have the authority to do so. And he kept saying nope thats what Im gon na do! Issue u a refund so u have to start the process all over. I told him I would pursue legal action as he is making fraudulent usage on my credit card without my permission. Last time I checked I used a secure payment source that shouldnt be giving my credit card details to the staff. It has now been 60 hours since I paid this debt and it is still not clearing. My credit card company said they paid out their part but the collection agency seems to be refusing payment. Also note I was paying the account in full. I have lost 3 apartment opportunities now bc of this!!!!! This trash human is ultimately and knowingly and intentionally refusing the paid in full amount bc I hurt his feelings. And he is holding my credit hostage making it impossible for me to secure a place to live and after tomorrow I will be out on the street.bc of national credit systems and the unprofessional behavior by its employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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  Account Number : XXXX has violated my rights. Or a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was attempting, on XX/XX/XXXX, to buy XXXX tickets to a XX/XX/XXXX production of XXXX  at the XXXX XXXX XXXX XXXX in XXXX Ohio. I was online with XXXX and they had ground floor tickets for {$550.00}, which was too much, so I looked at the balcony and it was {$140.00}. I gave my charge card info expecting an itemized bill and all of a sudden it told me I had spent {$770.00}. I had thought the {$140.00} was the total for the XXXX tickets! You can imagine my shock! I attempted to contact the company and cancel the transaction, and was told that it was impossible. ( I might add, I called XXXX, and the balcony tickets range from XXXX XXXXXXXX {$75.00} each, so my thought of {$140.00} was not unreasonable! 
I then contacted my credit card company 5/3rd and started a dispute. This was back on XX/XX/XXXX. They told me it would take a while, until the bill hit my statement. I told them I was taking cruises and would be unavailable from XXXX. They sent me a letter that I needed to contact them by XX/XX/XXXX that my son got from the mail, but I was out of the country. I contacted them, the day I returned XX/XX/XXXX, and told them the situation and they said I needed to fax them information, which I did, so they could reopen the case. 
I faxed them more information XX/XX/XXXX after another phone call. Mind you, we flew to the XXXX XXXX XXXX. I followed up XXXX, by phone, and was told that the process would take about a month. 
I called back yesterday, and was told the case was rejected a second time because of time issues. I was told to fax another letter asking them to reopen the case! This is ridiculous. I have written another letter, but am traveling today and have to figure out how to print a letter and fax it from the next island we are traveling to. In the meanwhile I have not been able to repurchase tickets for the show, now in 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
On XX/XX/XXXX I paid Harris & Harris {$990.00} from our HRA account and paid {$440.00} from my personal credit card on XX/XX/XXXX - that was the balance due in full. They have continued to call my husband and request {$990.00} - sometimes calling multiple times in one day. 

I returned all of their calls early on, after confirming with the HRA administrator that the amount was processed and " settled '' on the card as of XX/XX/XXXX. A rep named XXXX advised me to email supporting documentation of the payment, which I did. When I called back several times trying to confirm receipt, XXXX and other various reps would give me a different email address to send the documentation to or told me the documentation was not in the right format. I complied with each of their suggestions- sending in every piece of proof I have. I have attached the email thread and the supporting docs that were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The website that I paid through shows both of the payments as " processed '' on XX/XX/XXXX and XX/XX/XXXX in the transaction history ( also attached ), but they have continued making sporadic calls ( sometimes multiple times in one day ). 

On XX/XX/XXXX we received a written " tax season settlement offer '' dated XX/XX/XXXX to settle the {$990.00} for a lesser amount. That led me to research third-party methods of resolution and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I wrote my rent check for {$4400.00} and put it in a mailbox near my apartment to deliver to my landlord ( XXXX XXXX XXXX ). The check was deposited on XX/XX/XXXX. 
In XX/XX/XXXX, I received my rent from my landlord for twice as much. When I went to my Chase account, I saw that my check had been digitally deposited and endorsed by an entirely different person ( XXXX XXXXXXXX ). I reached out to my landlord and they confirmed their office had not endorsed the check and they did not receive it. They sent me evidence of a stamp they typically use for endorsing checks ( XXXX XXXX XXXX ). 
On XX/XX/XXXX, I went in person to a Chase branch and filed a fraud check claim, which required consent from both myself and my landlord that the check was fraudulently endorsed and my landlord did not receive the check. Chase let me know that it could take up to 90 days for my case to be resolved.

I then proceeded to hear nothing from Chase for almost 3 months. On XX/XX/XXXX, Chase contacted me with a very brief letter stating they had not heard from the depositing bank, XXXX XXXXXXXX XXXX, and they'd be closing my claim at the 90 day mark and would not recover my funds if they did not hear back by the 90 days. 
This was extremely upsetting that I did not receive a case update from Chase until 5 days before they warned they'd close my claim and would not be recovering the funds. 
I reached out to XXXX XXXX  XXXX and they shared that they never received a fraud claim from Chase. They proceeded to share the email, subject line, and body of the email Chase should use to contact them. I called Chase to share this information and Chase said they could not confirm if they actually send the fraud claim to XXXX XXXXXXXX XXXX. 
Chase lied to me as a customer and showed gross negligence in protecting me and my money. I started banking with them as a XXXX XXXX XXXX and I will be closing my account after this terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My original mortgage was brought out by Right Path Servecing and when the mortgage got transferred to the new company I had signed a loan modification with the original lender. After 9 months of waiting for all the paperwork to get updated to their system they are now telling me that they have denied my loan modification and Im now in foreclosure. I have attempted to make my payments on time but they will not let me make a payment. They have ruined my credit along with my wifes credit because they reported my mortgage has past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: GA

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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  Account Number : XXXX has violated my rights. Or a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-03-08 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: GA

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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  Account Number : XXXX has violated my rights. Or a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to remove old addresses from my account, even though I've tried to dispute it. They are associated with accounts that I have disputed under Consumer Law US Code Title 15 Chapter 41 Subchapter 3, section 1681a under Part 2 Exclusions, section A ( I ) Experian has failed to remove the address, but XXXX and XXXX have removed them.

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 2023-03-08 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data System has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between Medical Data System, XXXX, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed Medical Data System because laws were broken in regards to my privacy. Medical Data System, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First National Collection Bureau, Inc.
State: AR

Complaint narrative:
I have been contacted by various collection agencies about a XXXX XXXX credit card. I did not open said account and provided information as to it being impossible that I could have opened the account. They continue to bounce from one collection agency to another and attempt to report this account on my credit report. 
It is not my account as I did not open it, I request you make them cease their harrassment and unprofessional tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
I am filing this complaint against Good Leap, who is financing the solar panels that I purchased for my home. I am trying to file a complaint against the Solar Panels due to the fact that I am financing a non working product. I have called the solar panel company to rectify the issue to no avail. 

I have contacted Good Leap to address the problem and dispute the charge but they continually tell me that they will call me back but never do. As a result, they are denying me the ability to dispute this fraudulent charge with the solar panel company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Continuation of complaint against AMERICAN EXPRESS GOLD card -- submitted XX/XX/2023. XXXX -- to add overview of bills and payments for one year and files for one year to get a better view of my concerns. 

I pay this card off monthly, but AMEX uses the previous month 's balance to calculate the next months payment ( but they do not consistently put in the previous month 's payments made ) so you are paying the balance twice. 

I put tother a chart to assist in your review and obtained a year of files to assist in tracking as well as all payments for the time period. 

I put in red payments and in the charges shows to show the difference is what is showing and what was actually paid. This concern has been going on for years. AND I have contacted AMEX many times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of fraud I set a freeze on my credit. 

XXXX XXXX I decided to remove it. 

There is no way to do it online but there is a phone number listed. The number goes to a machine the simply recites the instructions for lifting the freeze by mail. It states it can be done online but provides no instructions. 

I logged into my account several times and called twice, to no avail. 

The machine refused to transfer me to a live representative stating " I can only do that under specific circumstances ''. 

According to this website this action should be able to be performed in real time without sending my personal information through the mail.

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 2023-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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