vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: NY

Complaint narrative:
Valentine & Kebartas is the company trying to contact me. The first representative was extremely rude and would not disclose the company he was calling from. I had to do my own research to figure out who they were. I was not comfortable with the first agent so I requested for a supervisor to call me back. I spoke to the supervisor and was told I would receive a call the following XXXX. I did not hear back until that following XXXX  and each phone call that I received until today I have answered, no one speaks and then they hang up. I had to call back multiple times today just to get in contact with someone and was met with an extremely pushy and rude supervisor. I tried to explain my concerns to this individual who told me that there has been no one on his team that has been difficult with me, and that when I want to settle my debt to call him back. I also asked for documentation of this matter before I give them any info and it didn't really seem like they could give me anything. I am very frustrated as I want to clear this up, but I am not comfortable giving any of my information to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have 2 American Express credit cards. I downgraded these credit cards on XX/XX/2022. While downgrading, I contacted the bank over instant chat. I asked the customer care professional if there is any impact to the rewards or a penalty if I downgrade the cards. The customer care professional confirmed that there would not be any impact to the rewards. I then gave my consent to downgrade the cards. After a couple of days, AMEX put a bonus reversal charge of {$150.00} each on both the credit cards. I have tried to get in touch with AMEX several times for this. They mentioned that since I downgraded the card within 1 year that is why the bonus was reverted. At that same time they have also accepted the fact that their customer care professional provided incorrect information that the rewards are not affected with the downgrade. I requested them to rollback the entire thing, that is upgrade the cards back to what they were and also put the bonus back. They have opened an internal case on XX/XX/2022 but till today there is no update. Each time I follow up for an update, they ask me to come back after 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX I received a notice that our property taxes were delinquent. Those should be paid in a timely manner through the escrow account of the mortgage. I called the XXXX of XXXX to confirm all information and then spoke with XXXX at Freedom Mortgage on XX/XX/XXXX. She informed me it would take up to 14 days to resolve, once they received a copy of the delinquency notice via the secure portal. I sent the requested documentation that same day. On XX/XX/XXXX, I received a notice via the secure portal that the issue was being looked into and would have resolution by XX/XX/XXXX. This is not a timely resolution. On XX/XX/XXXX a statement was mailed to our home informing us that our mortgage was increasing by over $ XXXX due to an escrow account shortage. I made a call to Freedom Mortgage upon receipt of this notice on XX/XX/XXXX, which also informed us that this payment increase would go into effect in fewer than XXXX weeks. I spoke to XXXX in the escrow office at FM and he confirmed that because of the large payment that came out of the escrow account on XX/XX/XXXX to the city of XXXX, it created the shortage and that same day the mortgage assessment formula was run, increasing our mortgage significantly. We, as consumers, are paying for the errors of FM and this is a bad business decision in a financially precarious time in the country. XXXX escalated my concern to XXXX ( ID # XXXX ) who offered to spread out our overage over 48 months instead of 12 months. Again, this is passing financial liability and responsibility to me and my husband for the error of FM. I then had to spend time explaining to XXXX why XXXX XXXX in the tax dept ) could not help me with the new set mortgage amount and I had to re-explain what errors occurred leading us to this point. She stated that she'd submit the request to spread out the overage cost and it would take 10 business days. I asked her how I was supposed to trust that it would take 10 business days when the original issue was supposed to be resolved in 14 days and it took from XX/XX/XXXX to XX/XX/XXXX. XXXX finally agreed to escalate me to a supervisor, I am still waiting for resolution and supervisor assistance. My mortgage should not go up over {$500.00} a month because FM was unable to conduct their business within a reasonable time frame.

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 2022-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Equifax, XXXX, XXXX Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX Equifax responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
After following the instructions on how to pay off the loan in full ( provided to me through the banking app ) I paid the total amount left to be paid. After almost a month and not receiving my title in the mail, I looked back on the app and it showed that I had a late fee, I was very confused by this so I contacted the bank via chat. They said that my payment didnt count as a payment because I didnt paid it all the way off. ( Even though my balance was XXXX ) the person I was chatting with gave me several ways to pay it off including using the app, and since I dont live near one of the banks branches, I tried again Thru the app. With no luck I call customer services, They said that the only way to pay it off was by calling customer servicesso I asked them if I could go ahead and pay it off, they said they couldnt take payment over the phone! ( But like I said, I followed the instructions given to me and my balance was XXXX ) Getting even more confused, and honestly annoyed! 
I have never been late on a payment and now they are charging me interest on a XXXX balance and on top of that they are charging me late fees. At this point its a matter principle! Im so glad I took screen shots of the chat and of the fact the by balance was XXXX and the fact that I had already paid it offbecause now none of my payments or records will pull up online. I even took a screen shot of the instructions that I followed to pay off the loan. My goal now is to have them expedite my paperwork and over night my title to me, since I paid off my loan almost a month ago. And In a perfect world they should refund me the money they lied and said I still owed. This bank was 5th 3rd and I will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i contacted the 3 credit bureaus XXXX, XXXX, transunion multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX  negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I made a purchase back on XXXX XX/XX/2021 XXXX purchase several furniture items from XXXX XXXX XXXX including a sofa love seat, Coffe table, lamp, and a swing chair XXXX and lamp was XXXX. I return the Coffe table and I receive a credit from XXXX XXXX XXXX, I refuse delivery of the sofa and love seat as they were damage The Synchrony credit card in total {$2600.00} and XXXX XXXX XXXX refuse to credit me back a total of cash paid XXXX. 
I have gone to the furniture initially to discuss a refund he was so upset for asking my money he refuse and told me he was broke the store is not making money he just got back from vacation/ his county and his father past away therefore he will not refund me any money. 
I contacted the credit card company I was told 3 times they found favor in XXXX XXXX XXXXXXXX XXXX  because the saga and love seat were special order but what I got were floor models

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 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am going through identity theft I believe it has been going on for over XXXX years now I have been trying to address Chime, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all of these platforms have been being used to transfer money in and out of my accounts. Someone has taken over my identity has been using my Social Security number has taken over my XXXX accounts, XXXX accounts, XXXX accounts, my phone accounts by XXXX, XXXX and XXXX and XXXXXXXX XXXX XXXX XXXX  I was involved in the XXXX XXXX breach, the XXXX XXXX breach and the XXXX XXXX breach. I have also experienced tax fraud and unemployment fraud. I need a lawyer I need help these companies are not do anything to help me. I dont know if my calls are being redirected or what please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
This is what I've sent to South State- I know that these fees are excessive and posted in an order to assure that they are able to charge as many fees as possible. Hello, since the beginning of 2022 I have been charged {$1900.00} in overdraft fees, {$680.00} just since XXXX of 2022. I am writing this because I am trying to regain control of my budget, and that has become impossible due to the amount of overdraft fees I have accrued in my account. These are uncertain and trying times for all of us and I wish to urge you to reconsider these fees. It is such a high amount and myself and my spouse have held account both separate and joint with Southstate for quite some time, we remain loyal and recommend others to join your bank as well. I know this is a large chunk of the revenue that this bank collects- however I do humbly ask that you please refund these charges. " Overdraft fees are largely incurred by only a small number of financially vulnerable consumers : Just XXXX percent of account holders pay XXXX percent of overdraft and NSF fees.Because overdraft fees are flat and fixedthey are the same whether an account is overdrawn by {$10.00} or $ XXXX card overdrafts bear the most disproportionate penalty because they tend to be the smallest transactions '' The bank responded to speak to my local branch, to which I already have- and they were no help. I have regular deposits to this account.In addition to this several of these fees were charged due to erroneously bank drafts. I spoke with a bank rep over the phone who reported that the amount of fees were " excessive ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have frozen my credit with all 3 services. I am attempting to unfreeze my credit and had no issues with XXXX, but TransUnion refuses to do so. They said my record is messed up because they have a XXXX XXXX XXXX and an XXXX XXXX with the same social security number. The problem is entirely a data error within TransUnion. 

Contacted them several days ago and they say a supervisor has to call me back. Just called me back and refuse to temporarily unfreeze my credit. Said I have to send a cover letter and supporting documentation to get this resolved, but the problem is entirely on their end. 

In the mean time, I am unable to conduct business with a significantly discounted purchasing rate because of their mistake.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to the company to have the report updated and no change was made I disputed it with Equifax to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. Equifax did not conduct a proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent these companies certified letters requesting they show me proof of the negative items they are reporting on my credit reports by sending me copies of the original signed contracts that they by law are supposed to have on file before reporting the negative items on my reports.I have not had any responce from the companies and they did not fix anything that is incorrect and never showed me the requested paperwork i asked for.It has been over 60 days since i sent out these letters and i have had no responce.Please follow the law and remove the negative items off of my reports as you have not shown the proof that you are correctly reporting these items on my reports.This is my third time of saying this and reporting that you are not complying.Please remove the items from my reports at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NY

Complaint narrative:
am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX transunion, XXXX is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT

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 2022-11-08 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: NY

Complaint narrative:
am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX, XXXX, experian is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: HI

Complaint narrative:
My Gemini.com account access was frozen on XX/XX/2022 citing login activity for my account in areas outside of their current operation where I have been working and regularly access my account fine for a whole year prior. 

Since the XX/XX/XXXX notice, I was prompted to provide proof of address, photo verification, and explain my traveling, as I travel for work. I have explained repeatedly that I work in a the foreign country and return home regularly throughout the year and my account is still locked, now 5 months later. 

As of now, my account value is around {$840.00} that I can not access. There have been XXXX email exchanges trying to remedy the problem. There is no phone number to call, I have provided my number to be called and they will not call it. I can not even close my account to withdrawal my assets.

Company response to consumer: Closed with explanation