vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
Acct : XXXX XXXX account nubmer : XXXX I have contacted XXXX numerous times about the amount I own them and this still have not been resolved and has not been turned over to a collection agency. I had their internet service a total of 5 days, at the time of installation, the tech only installed internet service, I subscribe for TV service as well, the tech told me he didn't have the boxes for tv service. So I called XXXX  and they said the only time they could come out to install the TV service was 2 weeks later. I then called XXXX XXXX XXXX  and they were out 2 days later to install my internet service, that same day I called XXXX and canceled my internet service and canceled the TV service install, I shipped back the internet modem and wifi extender to their corporate office. I then contacted XXXX several more times because in the system it showed I still had TV service, I asked them about this and they said the bill would be corrected with the 1st bill. When I got the bill it was still showing {$120.00}, I think called XXXX back and they kept telling me they could not help me because I was disconnected for non-pay, I explained to them I couldn't be disconnected for non-pay because I canceled the service 5  days after, only the internet was installed. A supervisor called me back and I went over me only having internet service install and that the TV service was never installed, as well as if I had had TV service installed there should be Serial numbers of the boxes in their system, which they do not have in their system, yet I'll say this once again I've never had their TV service. I have never received a corrected bull which XXXX said I would get, instead I get the collection notice from cfpb. I will not pay for something I never received, all of my interaction should be recored in the notes and on a recored line with XXXX. If anything I own for at best a month of internet service which should be anymore then {$30.00} or {$40.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
We got an American Express Serve prepaid card through XXXX XXXX tax services to receive our tax refund. American Express has marked a legit transaction as fraudulent, and froze our card. We received an email with a link we could click to let them know it was legit, but upon doing so was told the link had expired or the issue had been closed. We've called the number on the back of the card to get the issue sorted and get the card unfroze, but the automated system has no option relating to this problem, and has no option listed to be transferred to a live agent. I've also tried calling another number I got from the American Express website, and all they can do is tell me to call the number on the back of the card that I've already tried. We've attempted to log on to the American Express Serve website, but after putting in our credentials and clicking log on, nothing happens. We've attempted this with XXXX different devices, only for all to have the same result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
- I had a checking account and savings account from XXXX  Bank. Sometime in XXXX, XXXX  announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. 
- I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank . The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. 
- When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. 
- I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: IL

Complaint narrative:
In XX/XX/XXXX I reached out to Equifax about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in undergraduate loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about seven years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I ran to the car from enterprise I kept the car a week later than previously paid for the company took my deposit and then charge me an additional {$660.00} which was not authorised and its continuing to still try to charge me more money do you say and I drove XXXX miles which theres no way XXXX miles Max my check in Company Chime allow them to charge me only did they allow them to charge me but the card that was on file was stolen from my possession which I then locked the card off chime went in my account locked my card on and removed my ability from turning the card off and allowed them to charge me the money that I did not tell them that we do not arrange my deposit cover the extra week easily period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX I filed disputes to all 3 credit bureaus. EXPERIAN, XXXX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.

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 2022-02-19 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: GA

Complaint narrative:
I have mailed and faxed letters to the XXXX credit bureaus requesting they investigate the accounts in question and provide proof of those accounts. No investigation has been made and I have not received any letters or emails regarding my requests. Several of the accounts are in direct violation of the FCRA guidelines being that the original creditor or collection agency is not provided for the accounts reporting.

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 2022-02-19 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: GA

Complaint narrative:
I have mailed and faxed letters to the XXXX credit bureaus requesting they investigate the accounts in question and provide proof of those accounts. No investigation has been made and I have not received any letters or emails regarding my requests. Several of the accounts are in direct violation of the FCRA guidelines being that the original creditor or collection agency is not provided for the accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX I filed disputes to all XXXX credit bureaus. XXXX, XXXX AND TRANSUNION. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I filed disputes to all 3 credit bureaus. XXXX, EQUIFAX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX have submitted a CFPB complaint from XX/XX/XXXX to Transition and XXXX XXXX XXXX XXXX and still haven't heard back with today 's date being the XXXX of XXXX. I, XXXX XXXX have first started my complaints to Transunion dating back to XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX that was fraudulently opened in my name as a result of identity theft. All the bureaus removed this issue expect Transunion even though I completed the necessary pre-requisites in which I obtained a police report and filled out an identity theft report. I had obtained my Police Report from XXXX Police Department in XXXX. It has been over 90 days since I heard from transition or the credit regarding the investigation of this case and this is every hurting my credit report where I can't even get a home. Also, this is extremely illegal what Transunion is doing they have failed to answer my demands, as well as illegally held information not pertaining to me or my record on my credit report even after receiving documentation that it does not belong to me which vastly breaks FCRA laws and regulations. I will pursue with legal counsel and this will be my last CFPB report if this can not get fixed. You can also see my previous complaint IDS under the # XXXX XXXX, XXXX, and XXXX. Pursuant to 15 U.S. Code 1692e ( XXXX ) ( A ) by giving also representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian showed my credit score on XX/XX/2022 as being XXXX. On XX/XX/2022 Experian is claiming that I have do not have enough credit generate a score and it deleted my credit card off of my credit report. XXXX and XXXX are showing the correct information, only Experian is inaccurate and it does not provide a method disputing this misinformation. Furthermore, their customer service loops and there is no option to speak with a representative.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have XXXX different inquiries i don't use or recogonize. i have my name in a dark web, which they informed me of, but they still won't remove theses inquiries out of my file. THese inclue, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XXXX XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX. XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX the fcra says any bon authorized. non-verfied item must be removed. the bureas say some garbage about a permissable purpose, these inquiries have no permissable purpose for me. 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 non-monetary relief
Consumer complaint received 2022-02-19 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: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-19 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: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I qualified for Mortgage Payment Forgiveness, accumulating a Mortgage difference of XXXX. In XXXXXX/XX/XXXX, the mortgage was XXXX. As of XX/XX/XXXX I had a Mortgage of XXXX, but because of the Mortgage difference, my mortgage went up to XXXX. 

I need to know if the Mortgage Difference of XXXX can be forgiven since my wife and I are retired and we receive a joint Monthly income of XXXX, while the monthly Mortgage is XXXX. But as of XX/XX/XXXX, the mortgage will increase to XXXX plus light bill of an average of XXXX, and water bill of an average of XXXX. 

I appreciate your assistance in this matter and await a favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My problem is with PayPal. I received a refund from a vendor on XX/XX/2021 that should have gone back to the purchasing credit card ( XXXX ) but that instead PayPal is holding XXXX in the form of " Money is Waiting for You ''. PayPal will not transfer amt to XXXX card as a refund claiming that vendor method of processing refund is to blame, so I asked for a refund by check as best and most private alternative - I do not want to give PayPal any additional personal or bank information to obtain refund. PayPal indicates that this is possible, but in practice it has been impossible to implement over many months of attempts. On website, I'm directed to click " XXXX XXXX XXXX ''. Options then include : Transfer it to your bank '' or " XXXX XXXX XXXX XXXX '' or " get a check by mail instead ''. Selecting " get a check '' links to window where user is asked to select either Transfer " in minutes '' for a fee or in XXXX days for no fee. Either choice takes user to to next step which requires user to link a bank account, which is precisely what I don't want to do. XXXX is to set up PayPal cash XXXX, which requires providing XXXX etc. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My consumer privacy has been violated and inaccurate accounts that have been noted are being reported. Please see attachment.

Company response to consumer: Closed with explanation