vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A charge I did not recognize appeared on my card. Visa refused to undertake an investigation, but in doing so did not comply with requirements of the Fair Credit Billing Act. The company continued to ask me for information about the charge but I can provide no information about a charge I know nothing about. The Fair Credit Billing Act requires : XXXX. That Visa " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Visa XXXX. The Act also requires Visa, upon my request, to provide copies of documentary evidence of my indebtedness. Despite my written request, this was not done XXXX. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. In fact, it can not be done because I received no services. I wrote to Visa about this but my letter was ignored In their letter, Visa state " we found no evidence of a billing error ''. But that is NOT the standard under the Fair Credit Billing Act. The Act requires Visa to show why the charge is correct, to provide documentary evidence, determine that goods were delivered and make a statement to that effect. None of this was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a credit card with Truist for years. Recently, Truist has begun charging " interest '' on the card even when there is no past due balance. This month, there was no balance carried over from the previous month and there were no transactions on the card at all. Notwithstanding this fact, Truist charged " interest '' on the account. I contacted customer service and could not get a coherent explanation from anyone about why they were charging interest on a card that had no outstanding balance and no transactions. The customer service representative said that " the system charges it '' and that she had no other information or explanation to offer. I suspect that whatever is going on here is happening to others as well and that Truist is counting on the fact that most people do not want to take the time to investigate or complain. Sounds like a consumer class action waiting to happen.

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 2023-04-28 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 — Overcharged for something you did purchase with the card
Company: Viking Client Services
State: NY

Complaint narrative:
This company overcharged my credit card for the damages to the car A small dent and paint scraping. I was told they would hold money from my card till the insurances paid out the money. I have two coverages. The card and the rental agreement and they kept fighting back and forth about who pays out first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I originally went into a contract with XXXX XXXX and sports provided the contract was written as a consumer installment contract not a loan But credit acceptance has reported it as a vehicle finance loan as a finance loan it violates federal contract law in regards to finance charges 1026.4 Finance charge. subsection4 d part 2 ( i ) The insurance coverage may be obtained from a person of the consumer 's choice, and this fact is disclosed. ( A creditor may reserve the right to refuse to accept, for reasonable cause, an insurer offered by the consumer. ) ( ii ) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 1026.17 ( g ), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage. 
the creditor as they have told the world they are faild to give me the option to choose to be insured through the finance charges and forced me to find insurance I will settle for no less than destruction of the contract and a full refund of the complete purchase including the downpayment

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 2023-04-28 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: MOHELA
State: PA

Complaint narrative:
This account has been satisfied and no additional payments are required on these student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.

Accounts Affected by the Crime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: AES/PHEAA
State: VA

Complaint narrative:
XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.

Accounts Affected by the Crime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
At the very beginning of the pandemic, I had approximately {$1000.00} per month decrease in net income due to the pandemic. Because of the reduction in income, I reached out to XXXX XXXX XXXX ( XXXX ) to negotiate a lower payment with all of my consumer debtors. All of the companies agreed to do so with the exception of the XXXX XXXX ; also known as XXXX XXXX. I stop making the monthly payments because of the reduction of my income. Approximately, two-three years later, I was served by XXXX XXXX XXXX as a Defendant for an amount {$20000.00}, which is mostly interest and late fees. Attached you will find the following : Payment history from XXXX, the Judgement from XXXX XXXX, the Firm I hired, the Law Firm that purchased the debt, and the Law Firm that filed the debt. 

In closing, all of the debtors received the XXXX XXXX from the Federal Government that they did not have to pay back to the Federal Government. I believe this loan should be fully forgiven because of that. However, I have paid them {$5000.00} as of XXXX XXXX, upon which I believe should be returned to me because of the Law Firm being a recipient of the XXXX Loans. Also attached is a CFPB Judgement against companies that has illegally collected monies for consumers like myself. 

Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I want to make a truce with Goldman Sachs over this mess they have put me through since XX/XX/2022. I dont agree with them and I know how many disputes that were resolved in my favor and it was fraud. My nerves can not take anymore of this I just want to be done with it. I have never filed a dispute in my life and I am XXXX XXXX XXXX and have had charge cards for a long time. I also have never sued anyone in my life and dont think I could get through that without having a breakdown. You do owe me and you are in the wrong but I am done. I just wish you would have looked at what I sent and you did not. You didnt even attempt to compromise on anything that I asked. I did get that independent audit of my account and the numbers are correct with what I sent you! You do owe me {$17000.00} + but I cant take anymore of this. If you could at least take care of those last 5 disputes so I dont have to worry anymore about it, that would make me happy! 

I have money so the loss of the money wont hurt me, I just dont like being taken advantage of.or have the feeling that you dont believe me. You wouldnt even admit to the {$1000.00} charges and there were 13 of them. I have the receipts for those and so do you and they were resolved in my favor and never credited to my account along with those several {$530.00} ones. 

You have a lot of work to do to make your charge card operation work. Your managers and others need a class to help them deal with customers.The wait time to take care of your customers needs a lot of work. I will never have another charge card from you thats for sure. 

Its not in me to be so hateful but you made me so mad. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We XXXX  have big hearts and love what we do! So my apologies for being so rude. My son-in-law is a XXXX so I know my rights and I know I have enough evidence to use against your bank but I cant do it!! I just want it over with. Its been a nightmare for me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Kikoff Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX this company continues to report multiple inaccuracies to all three credit bureaus monthly such as account status, highest balance, account ratings, last verified, payment status I have asked to investigate the multiple inaccuracies numerous of times and in return the company responds of a print out of stating the account is accurate or updated with inaccuracies still I have reached out to this company several times since XX/XX/XXXX to try an fix this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Hello, I had no choice but to close my sale and loan to avoid foreclosure. I am not going to give up on my complaint to Real Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes. Again I was willing to pay them the principal balance of {$140000.00} and they would not budge so I am requesting that they pay me back the interest and all fees that were included on the final payoff. If they would have sent me a letter that they are the new 2nd TD holder I would have paid them and they never sent me anything as well as monthly payment coupons. Please help me get my money so that I no longer have to live on the streets and die of starvation and possibly be harmed. I sent you another letter by mistake and didnt realize that this is where I was supposed to re send a new letter. My phone number is XXXX XXXX XXXX and my email is XXXX Thank you and I look forward to be hearing back from you , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
A scammer through social media scammed my from my social media XXXX of XXXX dollars. I filed a police report and the detective inactivated my case. The case number was XXXX. I filed a dispute twice with the bank twice and was denied. I also filed a dispute with XXXX XXXX and was also denied. My truist account number is XXXX and my routing is XXXX. My XXXX XXXX XXXX account number is XXXX and my routing number is XXXX. The suspect or scammer XXXX profiles name profile XXXX XXXX account is XXXX and the routing number is XXXX by the owners name was XXXX XXXX but it may possible may not be an owner or unkown XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Truist XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal trade commision case number XXXX XXXX The detective who supposed to be assigned is detective needles. XXXX XXXX  and XXXX only protect from scams or frauds but doesnt protect you once youve become one. I want an investigation as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2023-04-28 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: MO

Complaint narrative:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2023-04-28 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it 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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
During the Covid-19 Pandemic CRAs were suppose to assist consumers during the crises with free credit reporting. On XX/XX/2021, Experian had my credit score at XXXX, that following month, XX/XX/2021, I cancelled my Premium account but kept the Free Basic plan. 
I am a XXXX XXXX female American XXXX  veteran. 
Thank you!

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 2023-04-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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