vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express offered me in XXXX of 2022 to add XXXX employees to my hilton honors business card ending in XXXX. For each employee that spent {$1000.00} they would get a {$50.00} credit. On my XXXX statement XXXX employees made that goal. I was only given XXXX {$50.00} credits. The other made the goal in XXXX. I inquired that XXXX, oh you need to wait was the answer, I finally opened an investigation in XXXX. No word from American Express. Being upset with American Express I called to see what was up, they know nothing, so instead of American express charging me a fee again, I cancelled the card in haste. Well now, since it has not been a year since I got employee cards, American express is not doing anything that they should have done back in XXXX. So I am asking American express to either reopen my card and do what they should have done in XXXX or go ahead an issue the {$50.00} credits that should have been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: MI

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have two charged off accounts on my Equifax, XXXX from XXXX - XXXX and XXXXXXXX XXXX. XXXX and XXXX Accounts have been charged off on my Equifax for nearly 8 years and I have disputed them with this credit bureau and the accounts have yet to be removed only the remark has changed that I have disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase chose to restrict and close my account. They informed me that my direct deposit couldnt be deposited. They then accepted the deposit and will not allow me access to my paycheck. I need my paycheck to feed my family. I will not get paid again until the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
In XX/XX/2023 I was approximately 75 days behind on my mortgage when I agreed to make payment arrangements for the next 3 months ; XXXX, XXXX, and XX/XX/2023, to get caught up on my mortgage, and while applying for a loan modification. 
Complaint # 1 : The 1st payment was to be auto-drafted on XX/XX/2023. I called a day ahead and made the payment over the phone. The representative didn't advise me that I would need to cancel the pre-arranged auto-draft, therefore, Carrington Mortgage drafted another payment the next day, which resulted in a cancellation fee administered by my bank ( {$30.00} ). I luckily caught the extra payment before the payment posted and was able to cancel the pre-arranged auto-draft for XX/XX/2023. For the XX/XX/2023 payment, I called ahead of time and made the payment by phone and was not auto-drafted a 2nd time as in the previous month. I also checked the status of my modification, and was told it was still in process and to keep checking back once a week, which I did up until the next complaint... 
Complaint # 2 : I called Carrington Mortgage XX/XX/2023 to check the status of my loan modification, and was told I was approved and that the paperwork was mailed to me. I explained that I hadn't received the terms of the modification and asked that they be mailed to me again. The CMS representative went over the terms, by phone, of the modification stating my next payment due is XX/XX/2023, and said she would send the modification terms again. I called a week later ( XX/XX/XXXX ) explaining I still didn't have the paperwork to sign and confirmed with the CMS rep that my next payment is XX/XX/2023. I called again XX/XX/XXXX, confirmed a XXXX time that my next payment is XX/XX/2023 and that I still haven't received my modification terms. To this day, XX/XX/2023 I still do not have my modification paperwork to sign. 

In all of my communications with CMS, I was never advised that since I was approved for the modification that I could cancel the XX/XX/2023 pre-arranged payment agreement. I was only told that my next payment is XX/XX/2023, making me believe that all previous arrangements were replaced with the modification. They auto-drafted the pre-arranged amount on XX/XX/2023 of {$1700.00} from my bank account, leaving me with XXXX in checking. Again, overdrawing my account and leaving me with overdraft fees ( I don't have the exact amount of those fees yet, as I'm trying to work with my bank to waive those since I've never had overdraft fees until now ). CMS has put me further in debt/behind due to their lack of/poor communication, which will likely prevent me from catching up on anything now. 

I ask that you please look into this and help me get my money back, so I can get back on track XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NJ

Complaint narrative:
I have had a collection from XXXX XXXX XXXX on my Transunion credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. Transunion has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.

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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
i was using cash app and order a cash app card which they sent to me but refuse to activate and then reported to them that my account had been hacked and transactions attempted which i can not access the dates and amounts for because i had to close my cash app account because they took XXXX minutes after i reported it to say no fraud had occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Internal reference number XXXX XXXX. 

Contacted me via letter to inform me of a PayPal credit card debt. 
XXXX previously known as XXXX Opened on or around XX/XX/XXXX. 
Last Payment XX/XX/XXXX. 
Charged off XX/XX/XXXX, and been transferred to them from Synchrony Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted them via telephone to inquire about a collection account on my credit report for this PayPal credit card I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in Florida since XX/XX/XXXX. 

The only help offered by them was to send me a Synchrony Bank Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. 

Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. 

I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with Synchrony Bank. I also requested that they remove this invalidated debt from my credit report. 

They never responded to any of my letters but they did remove the item from my credit report. 

The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

I will submit copies of the letters sent to XXXX XXXX XXXX as well as the tracking numbers for all correspondence I had with them in 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 2023-07-05 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX failed to cancel my service and continued billing. I was a XXXX  XXXX customer for nearly 10 years prior to acquisition by XXXX XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX and made a request to cancel services. I was instructed to write a letter of cancelation with the corresponding address provided. I follo1wed the instruction provided and expected the service to be cancelled. In XX/XX/XXXX, due to a divorce, I left the address of service with the knowledge the alarm monitoring service was cancelled. On XX/XX/XXXX, my credit monitoring service alerted of a collection for {$390.00} by Zion Debt Holdings, LLC who apparently purchased the so-called debt from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I attempted to rectify the erroneous collection of debt, but I was told it was a penny to a dollar debt purchase made from XXXX. I called XXXX to explain how I ended up with a debt for services I stop using since late XXXX. Zion Debt Holings, LLC provided a contract transferred to XXXX with my bank information ( which is still the same ) where XXXX XXXX used to do their automatic billing. XXXX never made any attempts to make an automatic payment on my bank account, or I have ever received a debt collection notice by XXXX by mail or reported on my credit report. Zion Debt Holind is now pressuring me to provide a copy of cancellation letter sent to XXXX knowing the possibility of not having was in their favor. XXXX appears to have a history of complaints for the same issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is my bank. I use their bill pay and have had problems with them getting the monies to the payee in a timely fashion. I realize that some of the companies need to have checks written which is absurd in this day and age. The latest incident involved my bill pay to XXXX. The money was taken out of my account on XX/XX/XXXX but was not received by XXXX until XX/XX/XXXX. That is a total of 22 days that I did not have use of my money and XXXX was not paid. When I paid the bill I was given a confirmation that the bill/check was to be received by XXXX on XX/XX/XXXX. Needless to say the bill was past due by this point. 
Who had and where was my money during this time period? I feel that Capital One uses these delays in bill payments to balance their books and meet their cash reserves. This is done at a detriment to their clients and is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: NV

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a refund on my charge card, in turn I transferred a portion of the refund amount to my checking. Days later I saw there was a cash advance fee of {$27.00}. 
Why was I charged a " fee '', when using my own money? 
XX/XX/23 Spoke first with XXXX then with XXXX with Truist. XXXX submitted form to have the cash advance fee removed. I checked back on Thursday ( same week ). The fee had not been removed. Informed by XXXX on XX/XX/23 that fee could not be reversed. I submitted a letter to the Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. No response.

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 2023-07-05 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: NJ

Complaint narrative:
I have been disputing an error in the report for a year and still not corrected. Spoke to lien holder and they advised me that there is no late payment for 30 days for XXXX XXXX XXXX XXXX. They advised me that they do not do business with them but they use a third party credit company. I have sent all of my personal information 3 by mail.and upload. I have advised them about unauthorized credit pulls and they failed to fix it. And over a dozen of soft pulls from them My credit score was XXXX and dropped to XXXXin less than a year this is unfair credit acts on their behalf I have been compromised by their XXXX XXXX  XXXX times. Also my credit has hard pulls from people finders and they will not correct this unauthorized service. Please help me. I have been applying for a loan and have been denied several times.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-05 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: Altisource Portfolio Solutions, S.à r.l.
State: NY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I had an account with Chime. I disputed a charge with chime. Without telling me or asking me, they said during time on phone. We cancelled your chime card & ordered you a new one. I needed the {$1300.00} to pay my rent. They said 7-10 days. This was 1st week in XXXX. Card didn't come. USPS said wait 7-10 days. Ordered another card thru Chime end of XXXX. It didn't come. On XX/XX/XXXX I called Chime and asked for them to send check of balance of {$1300.00}. I have email confirmation. Never got check. Tried calling Chime. First I was told XXXX XXXX XXXX XXXX  & hung up on. Called back got hung up on. Called back, after the lady dancing in circles with me, she said my email address didn't fit my account. I took screensjot and sent it in. She didn't care that I was into my account with my email. She said she couldn't help my because she could not verify my account. In the mean time since I could not access my funds to pay my rent, I'm evicted from my place. I tried to pay XXXX 's rent and they said they would only accept XXXX, XXXX rent 2 late fees and attorney fees and court cost! Thats {$3500.00}. My rent is XXXX. I never received my money from chime and they closed my account. They owe me {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Capio Partners, LLC
State: FL

Complaint narrative:
I have no knowledge of this company and why its on my bureau. Company does not own rights to the debt.

Company response to consumer: Closed with non-monetary relief