vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed a {$57.00} charge on my Amex Gold Card bill labeled as an interest charge for Pay Over Time Purchases. Since I have not created a Pay Over Time purchase plan since the year XXXX ( and that plan was long since paid in full ), I knew this was a mistake, so I called customer service to dispute the charge. 

It turns out that, in XX/XX/XXXX, Amex automatically enrolled all Gold ( and Green and Platinum ) cardholders in the POT  program. The customer service rep told me that they had activated our POT  and set it for " all eligible purchases over {$0.00}. '' She said Amex must have sent us an email notification of the change ; if they did, we did not receive it or see it. 

Digging deeper, I found that my account has actually been charged {$780.00} in POT interest charges since XX/XX/XXXX, for POT charges I was unaware of. 

We have always intended to pay our account balance in full each month, and thought we were. This is why we have Amex, to avoid the high interest rates of other credit cards. Yes, there is always a discrepancy in the current statement balance and the total statement balancewhat is owed on the current statement vs that balance + the most recent charges. I did not realize that POT charges were accruing in that total balance bucket. There is not one single tab or button or link anywhere on my account manager dashboard that points to Pay Over Time charges or settings. The words Pay Over Time exist nowhere in the dashboard, not even in the Payments section. 

Today ( XXXX XXXX, XXXX ) when I became aware of the issue, I entered Pay Over Time into the search bar on Amex 's site via my dashboard and finally got a link to Manage My POT Settings. I clicked this, and got an error screen : " Pay Over Time is currently not available. '' There is no option to see anything to do with POT charges on my account nor to deactivate it or to manage any settings whatsoever. 

I requested a full refund from Amex. The customer service agent refunded the last two charges over 60 days and deactivated POT on our account. She said they would open an investigation to review the account and see about refunding the charges, however i am skeptical I will hear anything. I want this to be on the record. I want Amex to be accountable for what is obviously an opaque and misleading billing practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09 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: AL

Complaint narrative:
I sent out a letter to remove XXXX XXXX Acct # XXXX for the amount of {$1200.00} from my report. I Asked them to validate the debt. Not only did they fail to provide what was being asked of them, they also violated Hippa Laws by providing medical services rendered. They didn't provide my signature attaching me to this debt, but my credit report is being affected. They are also violating my consumer rights and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer agency can not furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: VA

Complaint narrative:
My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
Multiple incorrect and unverified accounts and information being reported on my equifax report and incorrect score being reported which caused damage to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
I was deceived and pressured into a " timeshare '' purchase in XX/XX/XXXX. ( I request that you also have an option of " timeshare scam '' on your website. Why don't you? The FTC acknowledges that timeshares are a huge scam that pressure and harm consumers, and we really need CFPB to stop the abuse of American Consumers. ) Anyway, after falling for the timeshare trap, I continued to pay the bills monthly as required until the timeshare agreed to work with me so that I will be released from the contract. On XXXX, I had spoken to XXXX of the timeshare. She explained to me on that day that their legal had put a hold on my account on XX/XX/XXXX to put in foreclosure and work on a DIL because I complained to them repeatedly that they scammed me. I asked, " How can I be in foreclosure when I never missed a payment and I am up to date! '' After that, I spoke with my lawyer that I hired specifically to deal with this XXXX. After we all officially agreed with the timeshare for them to release me, as I was waiting for all the paperwork to go through on THEIR side, they were reporting me as " delinquent '' monthly while we were waiting on them to complete their share of paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I demand to have these accounts deleted from my credit report as it is reporting misinformation and has invaded my privacy as a consumer as I NEVER gave my consent. You did not fulfill your grave responsibility. You were unfair, partial, and you did not respect my right to privacy. 


EQIFAX XXXX XXXX XXXX XXXX # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016 XXXX XXXX Acct # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
After reviewing my equifax credit report I realized that there were inquiries being reported that I did not authorized. I contacted equifax and informed them of the inquiries and they did nothing to help. The representative was very rude and did not provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a fraud text from chase. I responding saying now it wasnt me. Someone went into chase branch and withdraw amount of {$2800.00} and I have been calling chase customer service and been complaining the last month and half and they are all giving me the run around. At this point I feel like I have been robbed by a cooperate company and I cant do nothing about it because I cant afford to take them to court. I really need help getting my funds from chase. Even provided them a XXXX Police Report as they asked and still they wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hi, I a XXXX who is not computer literate. 
I refinanced my home with XXXX XXXX  last XX/XX/2022. A few months ago I received a letter saying My Mortgage has been sold to a Mr. Cooper LLC. The switchover was on XX/XX/2022. Before refinancing with XXXX XXXX, I was with XXXX XXXX for 20 years. 
Both XXXX and XXXX XXXX include your Loan Payoff on the Bill, along with when your next payment is due ( if you prepay in advance ). 
This New Lender, National Mortgage, Mr. Cooper LLC, puts No Information about Your Loan On The Paper Statement. 
So, You do Not know where You Stand With The Loan, mortgage. Ive spoken with several of Mr. Coopers Mortgage Staff, and they tell me to go on line?

1st, I have No Way To Get Online. A friend is helping me write this complaint. 
I would like National Mortgage, Mr. Cooper LLC to put the Mortgage payoff and when the next payment is due on their bills? 
I cant use the Mr. Cooper App, because I have No Way Of Doing So. I dont use email because its clogged with advertisements. So many, that I had to stop using email. 
Can You Please Ask National Mortgage, Mr. Cooper LLC to add the Mortgage Payoff and when the next payment is due like real mortgage companies ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
By not doing so, many XXXX like me could get into trouble By Not Having This Information. 
One Last thing, XXXX XXXX gave me the Mr. Coopers New Mortgage Number. So, I set this number up with my XXXX XXXX XXXX Account for Payment. When I finally got the Mr. Coopers New Loan Paperwork, Mr. Cooper added a XXXX in front of the loan number that was given to me by XXXX XXXX as the New Mortgage. 
Ive already made a payment to the mortgage number without the leading XXXX. 
Is this a problem? Is Mr. Cooper doing this so they can say they never got the payment. 
How can a Company change the Loan Number on You? Is this to to make XXXX XXXX make late payments on a loan paid on time? 
How come Mr. Cooper didnt give XXXX XXXX the correct New Loan Number? 
Now, I have to go to XXXX XXXX XXXX  and have them change the loan number because Mr. Cooper added a XXXX ahead of the loan number. Making it different than the number given to me by XXXX XXXX? 
Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Why is LVNV/RESURGENT still reporting my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. Where did they ever get this address to start? Why are they still reporting the debts that they allegedly claim when they haven't been able to provide any signatures and have just copied and pasted names on bills? Where is a single receipt showing a signature? These guys have illegally obtained my PII and continue to harass me. They need to have a signature before they can even send someone to my house unless you want me suing the process server who will then sue you for not proving that they even have a right to step on my property. You have failed time and time again to prove that these debts are legitimate. All you guys do is make up copy/paste bills and then send them to people to scam them out of money. You have a document that was served to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
After review of my credit report, I discovered numerous Hard Inquiries that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are still inaccuracies on my Credit report, which are 2 XXXX XXXX # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a checking account with Capital One bank near my home in XXXX XXXX NY. A few years ago, they closed all their branches here. 

My Social Security and US XXXX pension are Direct Deposited to this account. 

I've no checks, no Debit card for this account, I can not access my funds. The bank has a phone number on file for me that has been out of service for close to 10 years. 

I have no Cell phone, and no Internet access. 

I am XXXX years old and do not have a Driver 's license or transportation. 

We ( I called, and also had my son call them ) contacted them by phone earlier this year, in XXXX and again in XXXX. 

Due to their security concerns ( which we understand ), the situation remains the same : I have no way to access my funds locally. 

I am requesting a book of checks and a Debit card for my account to be mailed to me at my address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
In XX/XX/2022 I was buying a new Car for my husband the dealer ships had extremely high rates. I applied with Pentagon Federal credit union was pre approved for the loan. Once i inputted the vin number there system could not pull it up in XXXX because it was a new car. 
I then reached out to customer service about this and they said if the program couldn't pull it up then they couldn't do anything about it. 
on XXXX  XXXX I emailed XXXX XXXX the CEO for PenFed about the issue i was having with there system and being surprised the advanced technology that they had that made the merger with XXXX XXXX XXXX XXXX XXXX such a good thing wouldn't allow me to finance a new car at the 4 % or so rate versus the 11.04 % the dealership presented me with. 

I then receive a call from XXXX this person was requested by XXXX to call me. During our conversation she said that there were a few issues with the system that they were hopping to have worked out in a few month and were going into XXXX  at the end of the month. But that if i go ahead and get the car then penfed would refinance it as soon as they could. She would also let me know how the testing went and when it would be available. 

I never heard back from her. So i went online and try to refinance my car and was declined on XX/XX/2022. As of XX/XX/2022 I have failed to recieve the adverse desion letter from Pentagon federal credit Union. 

I reached out to XXXX on XX/XX/2022 no reply. 

I reached out again on XX/XX/2022 and received a call from XXXX XXXX. She stated that she is requesting the adverse action letter to be e-mailed to me in the next 24-48 hours. She said there is nothing they can do about the denial. Unless i provide documentation to disprove XXXX. But i still haven't received this letter so that i can begin this process and credit reports are only good for 30 days. I asked about the promise of Pentagon Federal credit union to refinance my car and she ignored it. 

At this time it looks like on the loan end Pentagon Federal Credit Union is going to cost me at least XXXX dollars in the first 12 months of ownership from there lack of willingness to refinance my car as they promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
unauthorized inquiry XXXX  credit report citi cards XX/XX/2021 and also XXXX XXXX in XX/XX/2021 and also us small business administration also XX/XX/2021 i am contesting these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was stolen and submitted all the documents needed to remove the account. It's been a few months I contacted Transunion and they still are reporting the account. 
Account number : XXXX Account Name : XXXX Amount : {$10000.00} According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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