vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
back in XXXX  and XXXX  The DEPT OF ED/XXXX started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
back in XXXX  and XXXX  The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
back in XXXX and XXXX The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on 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 explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I currently have a Fruad account appearing on my credit report delete immediately. I have attached all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My request to validate an account that is not mine was sent to experian XXXX, i have not heard anything from this company at all, and the law states if they do NOT respond in 30 days this account should be removed from my credit file. I sent a letter to the company on XXXX. This company has not responded. If i send a letter in mail i should get a response in the mail. So if this account is not removed i have no choice but to file a lawsuit. 

Attached is the initial letter that was sent, this company has not responded within the 30 days. 

Also attached is documents to show proof of identity I DO NOT CONSENT TO XXXX or any means of automated verification They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Social Security XXXXXXXX XXXX XXXXXXXX

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 2023-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Celebrity Financial, Inc.
State: MD

Complaint narrative:
Starting in XX/XX/2022 I needed financial help so I turned to APEX. I was told to only pay {$500.00} although my mortgage was XXXX XXXXand they would turn this into XXXX - mortgage lender. I had to put the {$500.00} on a VISA card monthly and give them call with VISA number. 
I learned in XXXX my mortgage was still in jeopardy as APEX never sent any of the {$500.00} to them. 
I am now working back with XXXX making monthly payments on time. I need to report APEX for taking my funds illegally. 
Phone number - XXXX Contact name - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wired XXXX  XXXX from my bank account at XXXX - XXXX XXXX ( XXXX ) to my bank account at CHASE ( XXXX ). The amount was sent on XXXX, XXXX  and was received on XXXX, XXXX. 
According to the official exchange rate ( XXXX  was oscillating around XXXX ) I should have received approx. {$21000.00}, while I only received {$20000.00} ; while the XXXX exchange rate was oscillating around XXXX, my money was changed at XXXX ( 2.5 % lower than the official rate ). I called CHASE Customer Service in order to rectify the transaction, however the associate replied that the exchange rate is automatically calculated and nothing could be done about that. Therefore I made an appointment with an associate at CHASE local branch, XXXX XXXX, who understand my question and called the headquarters from his office. Again, I was explained from a different representative that the exchange rate is automatically calculated, however she could not explain the notable difference from the official rate and the rate that was used. I asked to escalate my complaint and, after speaking to three more specialists, I was finally answered by supervisor XXXX XXXX XXXX XXXX, who explained that the originating bank ( not the receiving bank ) was responsible for deciding the exchange rate. I respectfully ask her to put that statement on paper so that I could contact the originating bank, however she answered that she was unable to do so. I expressed my disappointment and told her that I would take my complaint to CFPB. I already paid two fees for the transaction ( XXXX  XXXX to the originating bank and XXXX XXXX to the receiver ) : I shouldn't be " taxed '' using a manipulated exchange rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have unauthorized transactions all the time from chase. This time I had unauthorized XXXX transactions in which I reported. They are denying my claim which is around {$1200.00}. These transactions do not make sense as its different amount of XXXX sent to another person. I do not know what I am supposed to do and need help for this to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Hello, on XX/XX/23 I received a text message concerning if I was trying to make a {$760.00} transaction at a XXXX XXXX XXXX stating reply yes or no I then replied no. The number that texted me that then sent me a text stating that I will be receiving a call regarding the transaction that someone was trying to process. I received a call then I let them know that I dont know who or how someone was trying to make a transaction because my card was in MY possession at the time. It was very suspicious to me. I told the agent from chime that I dont allow anyone to use my card nor do I give anyone my information to my account or card!! I was on the call for over an hour trying to see what was goin on and they were able to go into my account to see and they told me that I needed to delete the app and reframe from logging into my account for that day and that they were going to give me a call the next day to let me know whats going on. I did not know wether to believe them or not because it was unusual for them calling me. but I I then reframed from logging in until the next day. On XX/XX/23 Wednesday night, I received a call from the same agent and same phone number from the day before, around the time my deposit was being deposited. I had a deposit hit to my account from my job ( the same time I always get my deposit ) I started to notice transactions were immediately being made. I called the number back to back to back to back to back they would not answer me. I started to get worried about my funds and immediately looked up chimes number and the number I was on the phone with was not the chime support number on the website. I then got in touch with an agent from chime they told me that I was possibly speaking with an anonymous scam chime. She said that she would place my account on hold and restrict all activity being made through my account. I told her I wanted to file a claim for the disputes. I filed 3 claims. The agent told me that I would receive an email regarding my claim ID numbers. I received those. The next day I received an email stating that one of my disputes were closed and denied those funds that were made. I immediately called chime back and asked to speak to someone higher up that can help me reopen and get my funds back to me! They said that the only way I could contact the investigation part was email. So I then emailed them, I sent photos attached to the email showing them my evidence of the transactions on my account. Its XX/XX/23 and I am still getting those disputes denied for I dont know what reason because I did not whatsoever make those transactions! I would REALLY appreciate if someone could help me with this and help me get the money I earned back into my account! I dont know what else to do because chime is not being very helpful at all. Please please help! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 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: IN

Complaint narrative:
I discovered in XX/XX/2023 that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX pulled my TransUnion credit report on XX/XX/2023 without my knowledge or consent in person by phone or email. I further discovered that on the same day XX/XX/2023 my personal credit information was submitted to 4 different auto lenders XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/2023 XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how this company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office Indiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( 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 2023-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Metro Collection Service Inc.
State: GA

Complaint narrative:
it was XXXX dollars this debt was already disputed and it meets all fcra requirements this account is 7 plus years but they keep reporting it on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: IL

Complaint narrative:
On XX/XX/2023 I sent formal complaint to the three credit bureaus XXXX, XXXX and Transunion requesting all documents be sent to me to verify this account on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.

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 2023-09-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I sent formal complaint to the three credit bureaus Experian, XXXX and XXXX requesting all documents be sent to me to verify this account on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.

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 2023-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I do not understand several points that concern me terribly, you are setting me up for foreclosure and I am worried XXXX  about the outcome of my mortgage crisis : We are struggling now because I am XXXX  with XXXX, been XXXX  for XXXX weeks and it's taken its toll on my mortgage payment and other bills. My income has dropped considerably, and you structured a repayment plan that I simply can not afford, you have not provided me with any new offers, and you have declined every policy that you have to help people who are struggling. Why did you withdraw my application for assistance, I don't get any answers, all I get is the same mail every day telling me I have to wait 30 days for an answer. So many 30 days have passed since my first email to you, all you do is send the same repetitive messages to me, I do not see any offers for me to keep my home. I have serious  XXXX  issues  and I wish you would take that into consideration because reviewing my mortgage. We need to resolve this as soon as possible ; I am so afraid that you are going to begin foreclosure proceedings against me while I am very XXXX. Can we work our sum payment arrangements such as : XX/XX/XXXX - XXXX XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/900 - XXXX payment XXXX - XXXX XXXX XXXX XX/XX/900 XXXX 's payment XX/XX/900 XXXX 's payment Its going to take less than 4 months to catch up my mortgage, I am going to apply for covid assistance, its has again impacted my mortgage on a serious note. 

Please let me know what you think. I want to avoid foreclosure while suffering from XXXX, it's been horrible, and I appeal to you to look at this seriously so we can resolve this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XX/XX/2023 I arrived in XXXX XXXX XXXX, XXXX. I took a taxi to a nearby hotel ( XXXX XXXX XXXX XXXX ) in XXXX XXXX of XXXX and agreed on a XXXX peruvian Sol ( USD {$13.00} ) fare with the driver which is a standard fare rate. The driver took my credit card info to pay and charged me XXXX peruvian Sol ( USD {$130.00} ) without my permission. The driver committed fraud by not showing me the amount and forging my signature. I never agreed to the amount or payment and I was not provided a receipt when I asked for it. The driver was confrontational and rude so I did not feel comfortable escalating the situation in the moment. I was a victim of credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is my second time in this situation. On XXXX XXXX a payment to Capital One posted from my XXXX bank account. Capital Ones website states that payments made before XXXX will be posted same day and payments after XXXX will be next day. My mom made a payment on her account it went straight through and her available credit reflected the payment immediately. My payment is still pending. I contact Capital One which caused many contradictories. On one hand they say I can not get a refund for my payment because it has posted but they claim my available credit can not be released because of a review to verify my funds. I asked them to explain how a payment can post but not be cleared and they can not give any explanation besides they just do that sometimes. Thats unacceptable as Ive done nothing wrong to be placed under review for EVERY payment i make. Capital One also revoked ability to pay via debit card leaving you NO choice but to pay ACH but turn around and hold your money. As stated before the payment posted from my bank account on XX/XX/XXXX at XXXX. It is not in pending status. Capital One sent me email at XXXX same day indicating my payment was posted in their system as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: NE

Complaint narrative:
On XX/XX/XXXX, I financed a vehicle through XXXX XXXX, XXXX. I have not had the vehicle more than 30 days and it needs a power train control module which is not covered under the 18,000 mile, 18 month warranty. I feel I was taken advantage of by a predatory lender. The car dealer knew I have children that have to get to school and getting my spouse and I to and from work and that our other vehicle has been in the shop for almost a month. I do not want to pay for a vehicle that is essentially a brick. The loan total is around {$9800.00} I believe for a XXXX XXXXXXXX XXXX with about 173,000 miles. I would like to resolve this issue without any litigation if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief