vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that EXPERIAN, XXXX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Block, Inc.
State: MD

Complaint narrative:
CFPB, On XX/XX/XXXX, I used my Afterpay credit to purchase three XXXX XXXX tickets from a travel agent called XXXX XXXX. I paid a total of {$620.00} USD for the three XXXX XXXX tickets after XXXX XXXX advertised that carryon luggage was included in the price. After receiving the ticket details, I found out that carryon luggage was not included in the tickets that I purchased. The tickets I purchased for {$620.00} only included free personal items luggage and carryon luggage was going to be a separate price. 

After the travel agent refused to provide me with a refund, I said submitted a consumer complaint to the US Department of Transportation and opened dispute XXXX with my credit card company ( XXXX ) on XX/XX/XXXX. XXXX closed dispute XXXX on XX/XX/XXXX and advised that I work with the travel agent to resolve the issue. 

On XX/XX/XXXX, without any communication about the type of refund I would be issued and the impact that a ticket cancellation would have on me financially, XXXX XXXX cancelled the three XXXX XXXX tickets I purchased for {$620.00}, and only gave me {$210.00} in airline credit. I reached out to XXXX XXXX to get my remaining {$400.00} in refund but the company hasnt responded to my inquiry. XXXX will not assist me with obtaining a refund from XXXX XXXX. 

After being scammed out of {$400.00} by XXXX XXXX, I checked their social media presence and found customers complaining about losing as much as thousands of dollars. 

Thank you, Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 


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 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid off the line of credit in full. On XX/XX/XXXX, Upgrade pulled my normal monthly payment anyway, causing an overpayment of {$230.00}. I called and asked to have the overpayment refunded in XXXX. On XX/XX/XXXX, I received 5 small refunds ( {$0.00}, {$2.00}, {$5.00}, {$6.00}, and {$10.00} ) totaling {$24.00}. These refunds were charged to my account, so I now had a balance owed of {$24.00}. I called on XX/XX/XXXX and the issue was escalated to their research department. I sent copies of my bank statements showing that the {$230.00} was never received. I was told that I would receive a response within a week. On XX/XX/XXXX, I was charged {$25.00} ( the {$24.00} plus interest charges ). On XX/XX/XXXX, I received the same 5 small refunds ( {$0.00}, {$2.00}, {$5.00}, {$6.00}, and {$10.00} ) totaling {$24.00}. I emailed again and was told that I would hear back in 1 more week. I have not heard back, nor have I received the {$230.00} or the refund of the interest charges I am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Westlake Services, LLC
State: PA

Complaint narrative:
Westlake Financial Services reports a late payment to my credit report which is ruining my way of living and at the same time violating my rights as a consumer, According to 15 USC Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I attempted to open an account with Citibank on XX/XX/XXXX. They have had my {$20000.00} since then and have not returned it despite my repeatedly calling and asked me for it. Once when I called, they told me that I was unable to open an account because they detected fraud. But at no point has Citibank contacted me about anything regarding this account. I have been hung up on by customer service and promised that I would receive it, but as of today, I have had no correspondence coming from them and have not received the money. I have called them no fewer than five times and spent hours on the phone.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe my accounts with Wells Fargo was charged overdraw fee that were not necessary or delay my payment so that I am charged an overdraw fee.. I would like for you to look into this issue to see if I'm eligible for some of the consumer payback that Well Fargo is offering. Please contact me by email or by phone at XXXX. 

Thank you 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 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hi, I am a XXXX resident. I sent a check of worth {$1500.00} USD from my XXXX XXXX account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to my cousin who lives in XXXX XXXX California on 2023 XX/XX/XXXX. He is a new immigrant in XXXX and opened his account in Chase Bank, XXXX XXXX, California. He received my check via post and deposited the Check to Chase bank using his online banking app on 2023 XX/XX/XXXX. But he did not get money in his account and he visited Chase bank at XXXX XXXX and raised his concern on 2023 XX/XX/XXXX. They told him that we want to verify the check sender. My cousin provided them my phone number and then they said our online security system is not able to verify his XXXX phone number so we are not able to call him. 
He also called on their customer service number but they said the same thing that our system isn't able to verify his phone number. They only want to talk with me via their security system. Chase bank said check sender should contact his bank and his bank should request us to send his money bank into his account. I contacted my bank XXXX and they we have released the money {$1500.00} to Chase bank. They said why we should request them to send it back. It is a matter between Chase and his customer ( my cousin ). XXXX sent me a proof on payment released to the Chase bank. 
On 2023 XX/XX/XXXX, my cousin received a letter from Chase bank that your account will be closed to protect you against the fraud. And they closed his account after few days. 

I again requested XXXX to talk with Chase bank, XXXX rep contacted them on a conference call with me and my cousin to resolve the issue but Chase bank 's rep denied to talk and said we only talk with our customers. But when my cousin ( their customer ) call them they said we can't verify your cousin 's XXXX number and can't release the money. 

I just want my money back from the Chase bank that they did not release it to my cousin in XXXX XXXX. I send a message to Chase on their XXXX account and ask for my money everyday. But they don't provide me a satisfactory answer. It seems like a scam and they don't want to give my money back. My cousin is also trying on his end, but not getting any help. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-02-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act., The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
Account name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, acct. name XXXXXXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct.name XXXX  acct. # XXXX, acct. name XXXX XXXX, acct. # XXXX, acct. name, XXXX XXXX XXXX. acct. # XXXX, acct. name XXXX, acct. # XXXX, acct. name, XXXX acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # 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 2023-02-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act., The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
on XX/XX/XXXX Chime closed my account without any notice. After several calls and a different story received with each person I spoke to I was told a check will be mailed to me in 30 days. 

On XX/XX/XXXX, I received two checks-funds from my checking account {$2700.00} and the funds from my savings account {$270.00}.

I deposited the check from my Checking into my new bank account with XXXXXXXX XXXX  on XX/XX/XXXX only for XXXX to call me to tell me that the check was no good. 

After calling Chime I was told that the check were good and to take them to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Complaint is with Chase Bank and online payment page : Web page consistently does not work when additional amounts are entered when making payment. This has occurred over the past several years, resulting in calls to the company to pay by phone and requesting to fix the problem. It appears that Chase is trying to force consumers to ( 1 ) sign up for automatic payments, and/or ( 2 ) make it difficult to pay additional amounts to accumulate additional interest charges that benefit Chase. 
Recent occurrence : XXXX XX/XX/20XXXX XXXX XXXX. I tried several times to pay more than the required minimal amount, but the system would not process the request. The system did accept the entry when it was equal to the required minimal amount. This issue has occurred numerous times over the past several years. I have called Chase on several occasions about this issue and to make payment. In addition, because there were a number of times that the system did not accept any payment, I requested a monthly paper bill as back-up. 
Thank you for consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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