vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
SP * XXXX XXXX XXXX XXXX {$500.00} Ref. XXXX I purchased camera bags from them. It supposed to arrive within 2-3 days. It never did. They then sent me an email that they shipped something 2 weeks later or so. I was not waiting at home. Then eventually I got message from XXXX saying " delivered ''. Nothing was there. Then I got another email from company, again shipping. I thought ok, maybe they reshipping the same item. It then said again dropped on the street in the middle of the day.By the time I got back, nothing was here. Checked with neighbors, they said nothing was delivered to them either. The street here is lets say like XXXX XXXX, lots of people, lots of XXXX as well. Its main street of the neighborhood which has lots of stores. XXXX drops it off on the street if signature is not required.And you can ask them not to do it, they dont care. Then I contacted XXXX to check if they could provide any details, they said, its most likely " misdelivered ''. I contacted American Express, filled a non receipt claim. Claim was denied each time. After initial claim, i got email from XXXX from XXXX. I explained what happened. No more correspondence was received. However, Amex again denied my claim. About two weeks ago I spoke with supervisor. Explained the situation, supervisor said that he or she fully understood the situation and putting the noted. Spent 2 hours on chat. This morning I am getting email, saying claim was denied again! 

So basically with Amex right now, I have to pay for packages that are not received. Chat customer service promises to resolve. Then few weeks later case is denied. And game starts over. Is this normal with billing resolutions? 

I even had XXXX charge dispute with them. XXXX gave me bill of XXXX $ for 1lb item. Billed me XXXX XXXX ( Ref. XXXX ) Disputed maybe 5 times. Provided copies of receipts. Explained situation each time. Said to use common sense that 1lb doesnot cost XXXX. Told them how to go through their website and it still gives same XXXX bill.. Ok Ok... we willl resolve it for you! DENIED! 

Could you please look into their practice of claims investigation? It does not seem right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MS

Complaint narrative:
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
794.901 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$4600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$1400.00} This is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by National Auto Finance Company. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of National Auto Finance Company and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX XXXX is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as Ally responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, 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 explanation
Consumer complaint received 2021-12-06 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: IL

Complaint narrative:
When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2021-12-06 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My truck loan has been paid off since XXXX 2018. Chase has refused to send the release electronically. I've called Chase Auto XXXX 4 times. They have lied to me. Stating they sent the release to the State of Virginia. This has affected my credit in a negative way. I did not release it was impacting my car insurance the last 3 years with Virginia thinking the loan was still active for my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent LVNV Funding LLC a cease and desist on reporting my information to the three credit reporting agencies. LVNV Funding LLC has already received notice that i refused to pay this alleged debt because they illegally bought my information from XXXX XXXX without my written consent. LVNV Funding LLC is now civilly and criminally liable for violating my consumer rights. LVNV Funding LLC has yet to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Fraudulent withdrawals of crypto currencyXXXX lXXXX From merchant : Coinbase Pro To XXXX, that I NEVER had or have an account with 1 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} 2 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} Please investigate and recover my losses. 

Claimant/Consumer : XXXX XXXX Cell : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NJ

Complaint narrative:
A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by XXXX XXXX XXXX XXXX. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of XXXX XXXX XXXX XXXX and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX Experian is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as XXXX responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, 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 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Coinbase, Inc.

Complaint narrative:
Problem Wish Coinbase : XXXX of XXXX i received the XXXX XXXX Tether by XXXX in my Coinbase Wallet ( hash : XXXX ), at the same time I gave my Coinbase forward with the direction that gives me XXXX Tether default as recommended ( hash : XXXX ), never came and they tell me from the technical department that they do not accept that type of USDT, it is all nonsense since the addresses and the type of currency are correct. 
Ticket Numbers : XXXX XXXX XXXX  - Problem Wish mi SEND from coinbase wallet to coinbase XXXX XXXX XXXX XXXX Problem Wish USDT SEND and received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: VA

Complaint narrative:
I sent letters to all XXXX credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT 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 2021-12-06 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: IL

Complaint narrative:
When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023

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 2021-12-06 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: IL

Complaint narrative:
When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MI

Complaint narrative:
Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.

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 2021-12-06 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: VA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In XXXX 2021 American Express processed a balance transfer to my account ending in XXXX. I never initiated a balance transfer. After days on the phone I found out that someone did a balance transfer to XXXX and for some unknown reason it was applied to my account. This was resolved but the balance transfer fee of {$350.00} keeps appearing and is now migrating to my other American Express account ending in XXXX. It is impossible to dispute a charge online with them. Instead I have to call and wait and one person tells me one thing and someone else tells me something else. This has cause me to be confused about the amount I owe monthly. Last month I paid {$35.00} and was told on the phone that it was supposed to be {$40.00} and they charged me a late fee of {$29.00}. For act ending in XXXX there were new charges of {$400.00} : {$350.00} Flexible Transfer. No one is telling me why this transfer done by someone else is now migrating into my accounts, causing confusion and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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