vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought five prepaid credit cards from XXXX as gifts for {$500.00} each. I found out with the first one that there are problems as it didn't work. I tried calling the company from the number on the back but it is very difficult to reach anyone and you just get stuck in a circle. I did find a way to reach a person ( Long story to how ) and they said this was a rare case and unlocked the card. However, it happened again with the next two cards and the last two I was told needed to be replaced and they would send new ones which at the time of this complaint I have not received. There is much more to this and would be happy to follow up but this is a clear scam as they hope receivers of these gift cards will just give up, trying to get information on this company or contacting them is near impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am requesting that American expressnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that American express listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use.

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 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am a victim of ID theft starting around XXXX and I found out earlier this year. There are several accounts listed under affirm credit account loan that I did not open. I have a police report stating so and that is all I am required to provide them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I had opened this card and received a XXXX XXXX dollar credit on my account and they were to bill me for the remainder. I never received a bill for a payment and then on XXXX I received a letter ( not a bill ) that I was late on my payment. I immediately called and talked to an agent by the name of XXXX ID # XXXX. He took my information and checked and found that they had incorrect billing information. They had me as paperless billing which I did not request. That was also incorrect because they didnt have bank routing or a debit card. This resulted in me never getting a bill in the mail which XXXX verified was accurate. He removed the late charges and interest because it was their error. I have written them 5 letters explaining why they should take this bad report off my credit bureau records and they have sent me back form letters saying they stand by their late payment report. They refuse to acknowledge that it was their error in billing that caused the problem. My credit has gone from excellent to good. Im XXXX XXXX XXXX and Im going to get a new car lease and this will affect my payments. I pay all my bills on time and in full and yes it was late but Im not at fault. All I want is to restore my excellent credit.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I ask the lady I was talking to why is Chase letting them take money out of my account when there is no money in my account, she responded that I have credit protection for XXXX dollars and less itvwas XXXX and something dollars they let take XXXX so I said " I m want to do a claim " cause I'm not pay no overdraft fees for yall letting them get money out of a empty account! She said call back today and do a claim I got a text this morning ( didn't get no text ) when they was letting them take all this money ) but anyway I see about 5 or 6 overdraft fees on my account bringing it to XXXX and something dollars that's why Chase be letting people take money so they can hit you with these overdraft fees I'm not paying this XXXX I will close my account first!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
An Escrow Analysis statement was posted to my online account. As part of the Analysis SPS stated thqat my property insurance annual cost was now {$4900.00} however my property Insurance cost through XXXX is only {$3200.00} annual thus SPS is over charging me pwer theanlysis {$1600.00} annual more than the cost of my insurance. in Doing tthis they increased my monthly mortgage payment from {$3300.00} per moonth to {$3500.00} which is simply overcharging me I want this fixed immediately as its overcharging me a significnty amount of moneya $ XXXX  monthly increse cost equals {$2800.00} which is even more per month in cost than the $ XXXXfalseincreasein the premium for our propert incurance. All of this is just crazy as again my property insurance bill annual is {$3200.00} I haveattached a XXXX of my XXXX annual homeowners insurance policy premium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I apply for a mortgage loan thru a broker with XXXX XXXX which is working with Carrington Mortgage. I applied for 10 % down payment which they approve and been working on for the past 60 days, However I was told and received a new disclosure after signing and submitting the closing disclosure which ( 3 ) had been signed already. First the broker contacted me and stated the lender is changing terms on your contract theyre not able to do your loan at the rate approved. So I asked are there documents needed or not accepted. He stated no. I stated are there breaching their own contract? He said yes. I ask him to have the new contract sent as evidence of contract breached for the prior one that was signed the day before. The first contract is 10 % down all requirements have been met all documents that were requested also has been submitted. The new contract states 15 % down payment which Im under contract for a property and close tomorrow XX/XX/2023 and a new contract was issued 48 hours before with an increase to 15 %. And Ive contacted other lenders to see if this was something common or feasible in this market and its not a common practice I should say. So I Emailed XXXX XXXX XXXXRelationship Manager Mortgage Lending Division of Carrington Mortgage . Why is the contract being breached this is in violation of consumer to lender and shows predatory lending. He stated Discuss with your broker he replied in email. However the broker contacted me and informed me that the lender is not communicating with him. He also forwarded emails of no detail or response in regards to my file, but the breach of contract which he stated has never been done in his years of working as a broker someone should be notified outside of him. Along with these circumstances I have emails from broker and lender. Broker is willing to provide written documentation concerning matter and is a witness alongside of myself and the realtor. Carrington mortgage has violated me as a consumer who is under contract for a property by failure to perform there services due to predatory lending. There was not a specified issue or problem for contract breached so I was alarmed Ive been a victim of abusive practices. To my knowledge of the law lenders are required to say why youre not approve, changes in terms etc. However Im a just another victim I can assure from this lender thats just speaking up. This was herocious experience. I have documentation of contracts emails and more if needed for more evidence as this matter definitely needs legal attention. 

Carrington Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX CT XXXX Direct : ( XXXX ) XXXX |Fax : XXXX www.CarringtonWholesale.com XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter out to Transunion, XXXX and XXXX on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter out to XXXX, Equifax and XXXX on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have sent several letters explaining that I do not work for XXXX or XXXX XXXX. Please remove any employer on my credit report. Im currently unemployed and not working for anyone. Please remove ASAP per FCRA.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX I was informed by a Company that was investigating Capital One and they were adamant on me Not making anymore Payments to Capital One. 
" I'm sorry that I do not remember the name '' I do remember being a little hesitant so my husband and I look into article reading, news searching and looking up this Company that contacted me. After much research, we found that Capital One was in a type of Cyber Activity and I was effected. So I did contact Capital One and received No info on anything! I stopped paying as I was prompted to do by this Company. Capital One did send me a email payment reminder and I never heard anything else, I have received credit card offers but No acct information. When I logged on Capital One app, it had/ has No account information at all such as amount due, past due, risk of collections ECT. I Do pay bills but I really try not to create bills I'd rather pay cash for things. So XX/XX/XXXX Out Of Know Where I recieved a Civil Court Notice from my local Judicial System " I unfortunately know all Judges well as I am Property Investment Owner '' I place the Court letter in office waiting for Capital One to open phone lines. My husband not remembering this situation from XXXX, calls the law firm on court paper and he pays in full. My husband doesn't have a clue what this is about but " we '' never want our name in a negative way in the court system so I come home and I'm being asked what is this debt? He's concerned not knowing what's going on and I'm a bit confused about it so I try calling with a high demand in calls, I was # 18 on wait! Know one answered after holding on speaker phone for more than 20 min. I tried multiple times to email them, haven't heard anything, I have sent " feedbacks '' multiple times with No response, I have disputed this non sense on credit report numerous times in numerous different categories and that hasn't changed. I received a email on XX/XX/XXXX cc : Payment Plan to Capital One and my private attorney informed us not to participate in this since we have No account number, balance or any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XXXX XXXX, I made a purchase from a auction for XXXX. I ended up getting sick and put in the hospital. The man who runs the auction text me while in the saying he didn't want anyone to steal my things so he would drop my things off at my home if someone was there. I said yes it is he delivered the stuff to someone else home. I texted him and asked where was my stuff. He said he deliver to XXXX I said that is not my address mines is XXXX I said I gave you the correct address. He said he would go to the house I went also the people live there said they don't have it. I asked the man for my money back. He refused I notified my bank and sent the messages showing he did not give me my stuff. My bank refusing to give me back my money also. If products and goods not received I deserve a refund. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The balance on this account is incorrect and hasnt been updated per my request the I thought the fair debt collection act was supposed to protect me for company reporting however they want

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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