vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
so I closed my explorer card and tried to move my whole credit limit over to my quest card when I did the transfer my card only had a XXXX balance on it my credit limit was XXXX and chase only moved over XXXX of the limit and not the full XXXX they kept calling it a balance transfer request it was not my account was pretty much paid and they didn't move any balances over they are holding XXXX on my other card for no reason at all it makes no sense if the account is closed with a XXXX why are they keep XXXX of my limit hostage it make no sense at all I am losing out on a XXXX limit with no fault of my own the account is closed and I charge anything on it it make no sense that XXXX is being from me I want XXXX limit moved over to my quest asap and the lady in the cooperate offices I transferred was worthless researched for a whole week and then came back and said there is nothing we cab do what was she doing for a whole this makes no sense and I want my XXXX limit back this corperate lady had no idea what she is doing what so ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-05-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing Experian has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.

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 2022-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I made a payment to Mr Cooper online on XX/XX/2022 for XX/XX/XXXX due date. I was told there was an error on the mortgage company side where my mortgage payment was applied to late fees and not the monthly payment. I have spoken to them on several occasions including the executive resolution department and was told they are sorry and will fix the issue and as of today XX/XX/2022 they still havent I was also told since the mistake was their fault I would not pay late fees for XXXX or XXXX and my account would be updated to reflect the payment date as of XX/XX/XXXX. I paid XXXX in which they applied it as the XXXX payment they charged me {$910.00} in interest for being late even though they received it XXXX XXXX weeks early. I was told again this would be fixed and they will credit my account twice by the executive resolution department I received letters from them several times saying the issue is resolved and it would take 24 hours to reflect on my account which it never happens. The last time they reversed the payment they did it for the XXXX payment and applied it back to my account and this issue wasnt even that month it was the payment for XX/XX/XXXX which I made on XX/XX/XXXX. All the resolution department does is give me a case number tell me they reversed the late fees and the payment will be applied to my account the late fees and the {$910.00} interest that was taken out of my XXXX payment would be removed and credited to my account. I emailed XXXX XXXX who was the last person I spoke to in executive resolution department after I received the notice on XX/XX/XXXX that the process was completed and my account would be adjusted within 24 hours to let him know my account still was not adjusted. I asked him to call me but as of yet no calls and he hasnt replied to my email. All they do is open the case give you a case number send you a notice saying it was fixed then close the case and nothing is ever done so I have to call again and the process starts all over. I am getting countless phone calls and text for payment for a payment they have and wont apply. I was also told they would credit my account fees that I paid for processing my monthly mortgage fees which was done over several years and still have yet to have that credited to my account all of which I have proof of.I havent been sleeping and the stress of all this in intense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Marcus Goldman Sachs state they paid an account ending XXXX XXXX XXXXI have no such account number. I spoke to XXXX I have only XXXX account which was paid by Goldman Sachs for {$640.00}. 
XXXX states they need a document from Goldman Sachs that states the full account number, date it was sent and that it cleared. Goldman Sachs is giving me the run around. Stating they dont have the full account number that it was sent on the XXXX of XXXX. They are not doing anything about this and now I am paying XXXX that was used to pay off account that isnt mine. I am struggling as it is. Unfair practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Child support # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My checking and savings Accounts Were hacked into and moved into a payee account that they set up and then wire transferred l {$50000.00} to XXXX XXXX XXXX Bank. This all happened on XX/XX/2022 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 2022-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I tried contacting True Accord after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named XXXX not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. 

A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted XXXX, the third-party payment app to contact the merchant as well. XXXX denied after several attempts to handle the situation or contact the merchant after getting no response from them either. XXXX began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX  and I was informing XXXX of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, XXXX wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to True Accord who are requesting for me to pay them the full amount before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.

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 2022-05-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX is constantly changing the balance they say I own on my credit report. The account shows charged off and is constantly updating higher balances on my credit report. I have sent in letters to XXXX XXXX XXXX XXXX and the credit bureaus asking for debt validation that this is in fact my account. I had an account with XXXX XXXX XXXX XXXX before and I paid it off as agreed and it is closed. There is this charge off account on my credit report that is constantly changing balances that don't belong to me. No one as sent me any correspondence of proof that they verified this debt is mines. Even the credit bureaus have not done their part in investigating this. The account I am speaking of ends in XXXX per my credit report. I demand this be removed from all three bureaus since I have been disputing this for years and no one looked into this for me.

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
Collection agency garnished my wages in XXXX. The original debt was about {$2400.00}. Every two weeks my employer takes {$480.00} from my paycheck. They have never sent me a statement until I asked on XX/XX/XXXX. After review it appeared they are taking about XXXX  % in " fees '' payable to them. I've asked three times for an accounting of how and where my payments were applied. They offered to reduce my remaining balance by half but still won't provide an itemized accounting. Also, they are charging me duplicate fees for various items such as " garnishment fees ( 4 times ), " small claims fees ( 3 times ), and man other repeat fees. The last fee on the statement is {$15.00} for Notary Fee and added to my account on XX/XX/XXXX. Their failure to provide an accounting, and offer to reduce my remaining debt by XXXX  % tells me something is not right. They've been in business since XXXX. I have their emails to me if needed. I am attaching a copy of the statement they sent me on XX/XX/XXXX. 

I hope you can help resolve this matter and get them to return the overcharge of fees. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendleton Capital Management
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, agent XXXX of Pendleton Capital made contact with consumer. XXXX did not notify consumer that the communication was an attempt to collect a debt. XXXX did not disclose to the consumer, his rights under the law to dispute debt and/or his right to validate the debt. XXXX did make a false and misleading statement, specifically that there was a 'pending judgment ' for an outstanding debt - verifiably false. XXXX could not name the plaintiff and/or which court/state the action was taken. Pendleton Capital did not and has never provide written notification to the consumer of the existence of the alleged debt. Phone call 1 was an incoming call from agent XXXX. Phone call 2 was an outgoing call to agent XXXX by consumer in an attempt to gain disclosure. Agent XXXX verified there was no judgment pending against consumer, verifying agent XXXX did in fact make false and misleading statement in an attempt to coerce consumer into a payment.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX U.S.C 1681 Section 602a states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that 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 2022-05-04 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:
In accordance with the Fair Credit Reporting act 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 has 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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
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: TN

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$25000.00} account # XXXX 30 days late in XX/XX/2021, and XX/XX/2021.

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 2022-05-04 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: GA

Complaint narrative:
In a accordance with the fair credit reporting Act XXXX and 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 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 2022-05-04 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. 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