vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase XXXX XXXX XXXX. I have three cards with Chase and all were configured with Autopay. The ChasXXXX XXXX XXXX which I rarely use and has had a ZERO balance for most of the year somehow got removed from Autopay and I was charged in XXXX both late fee and interest for XXXX. I called in XXXX and they resolved the issue by crediting me the late fee and interest, acknowledge there was an issue with the Autopay being removed by their system ( or someone at Chase ). 
Once more XX/XX/XXXX I was charged another late fee, and interest on said fee on XX/XX/XXXX. I made zero purchases, the balance should have been zero. I called Chase and was told by a supervisor that this was because they credited me 2x the original {$40.00} late fee and one of these was removed. I was never informed of this, and still don't understand where any late fee on no payment due derived. I asked that they correct the issue again and just cancel 2 of my 3 cards as I don't use them and they obviously have issues. The supervisor on the phone didn't want to do this, she wanted to investigate and argue with me and tell me she couldn't do anything as I kept asking/canceling what I was asking. This was not true -- I reiterated I wanted the cards cancelled and I should be credited for my time for having to call and sit on hold over and over. She proceeded to read me a script and I tried to interrupt her but she told me she was going to keep reading. 
So in effect, Chase refuses to correct their mistake and cancel my cards and play games with semantics and reading scripts. How the Autopay keeps getting removed is a mystery, apparently, but its happened twice now to the same account that had Autopay set for years. 

I spoke to supervisors XXXX and XXXX. XXXX placed me on hold despite my request not to be placed on hold. XXXX insisted that I should have known that there was a charge as they sent me the bill so I should have known there was a late fee. However I never received a notice of a charge of any kind so I didn't bother to review that bill. She proceeded to be condescending and explain to me how late fees work. I called her names. I wish I had called her worse names.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2022-06-13 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: FL

Complaint narrative:
ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I received a letter from Sequim Asset Solutions regarding a past due amount from XXXX XXXX. I had been in contact with XXXX numerous times regarding their incorrect charges for services they were not able to provide, have been told this would be escalated and resolved and despite numerous calls and hours being kept on hold they have never responded or corrected the bill so I refused to pay. I also put this in writing and mailed this statement to Sequium Assets on XXXX which was prior to their stated dispute final date of XXXX however they still put this collections on my credit report and never reasoned to my written dispute. I have also called Asset and was told the will note my account and look into it but could not tell me why they still sent this to collections despite having my dispute prior to their deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: FL

Complaint narrative:
Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In my XXXX XXXX account this agency is being shown in collections and I do not know what it is for. The company also has not sent me anything regarding what the debt of {$1600.00} is. I need this collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: TX

Complaint narrative:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am a Credit Karma Member. I have received several invitations from Credit Karma to use this service : Credit Karma Money, using your Credit Karma Visa Debit Card** gives you the chance to have purchases up to {$5000.00} reimbursed. 

Their email ( attached ) has the following Disclaimer : *NO PURCHASE NECESSARY. Sponsored by Credit Karma , LLC. Ends last day of month. Entrants must be at least age of majority & legal resident of 50 US or DC ( except XXXX XXXX XXXX residents are not eligible ). Void where prohibited. To enter, use applicable debit card or enter by mail to Credit Karma , LLC, XXXX XXXX XXXX XXXX, NC XXXX. XXXX XXXX at https : //www.creditkarma.com/lp/ik. 

**Credit Karma Visa Debit Card issued by XXXX XXXXk XXXX XXXX XXXX Member FDIC XXXX pursuant to a license from XXXX XXXX XXXX XXXX terms and conditions apply. 

***Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX FDIC XXXX Maximum balance and transfer limits apply. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Karma, and XXXX XXXX are refusing to open a account, claiming they are unable to verify my identity, and provide no process for me to provide them with what is needed for them to do so. ( see attached email and support email reply ). 

I am a member of Credit Karma, I use their services to check my credit every month. I have a registered user account under my email with them XXXX This is discriminatory action on behalf of Credit Karma, to send offer letters, but fail to provide a verification process, that they claim in house to not be able to verify to open a credit karma money account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I made a return several months ago that led to a {$200.00} credit on my Kohl 's charge card. A written request was made by chat on XX/XX/24. I followed up after not receiving the refund for 14 days. 

I was told ( prior to my knowledge of the seven day regulation ) that the refund would be issued in 10-14 business days. After it was not processed, the only option they could offer was to re-initiate another refund request. I informed them that the 10 day refund is not aligned with federal law. I offered to go into the store and have the amount refunded to my debit card but the agent reasserted that this was a computer generated process only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I reached out to Procollect on XXXX regarding documents that were sent in regards to disputing the account. The rep that I spoke with informed me that no documents were received. I confirmed with the rep that I has the correct email address to send the documents. About minutes later I get an email back from a XXXX XXXX that reads " what is this? '' Clearly from the documents he could see that it was my lease agreement, renewal, and utility bill from where I reside during the time of said account. XXXX XXXX become extremely rude, irate as I tried to explain the documents. XXXX XXXX then tell me who do I think I am calling him? '' " And that I'm XXXX and XXXX  '' Many profane things were said such as my XXXX  and XXXX. XXXX XXXX is the companies XXXX. I tried calling again Monday morning to confirm if the documents were in the correct place. I was then informed that I had new rep named XXXX XXXX. I emailed XXXX XXXX to confirm that he had the documents in which I was informed that a police report was filed for personal threats made to XXXX XXXX in which no threat were made. I then asked XXXX XXXX via email if all phone calls are recorded. His response was " Stop with your ridiculous emails. '' I need this reviewed and for a resolution.

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I was reviewing my XXXX XXXX information in XXXX XXXX and saw that Southwest Credit Systems is in collections for {$1500.00}. The company has not sent me anything regarding this debt and I do not know what the debt is for or any information about it. I want this collection removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My loan was acquired by BSI in XXXX of this year. I received a statement at that time telling me that my loan payment amount would not change. In XXXX I received a letter from XXXX stating that my loan payment amount would increase from {$1000.00} to {$1400.00} beginning in XXXX. The only explanation that accompanied this letter was a document showing that my PMI payment would be over {$440.00} when it had previously been {$110.00}. I have reached out to the company three times over the course of a month with no response other than them resending the same initial document. This sequence of events leads me to believe that this is a scheme on the part of BSI to defraud first-time homebuyers by significantly overcharging for mortgage insurance, which will both increase profits at their insurance company, and have the effect of increasing foreclosures which will then be covered by that insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CA

Complaint narrative:
On XX/XX/2022, I reached out to the loss recovery department of XXXX XXXX in regard to negative information being reported to the credit reporting agencies. XXXX XXXX has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The XXXX XXXX representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. XXXX XXXX is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.

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 2022-06-13 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: SC

Complaint narrative:
I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-13 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXXXXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604A SELECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This collection was reported in my XXXX XXXX account and I do not know anything about what it was for. The company never sent me anything about this debt of {$1000.00} and I would like it to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX. YOUR ATTENTION IS VERY IMPORTANT. PLEASE SEE ATTACHED.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I requested a Wells Fargo credit card. I received an email saying my card had been approved. When I went online ( XX/XX/XXXX ) to create my online presence, I noticed on an obscure page that my last name was misspelled. When I called them, they confirmed that the card was created with my name misspelled. I asked them how they could check my credit rating ( which I saw that they did ) with misspelling my last name? How did they validate that I was the rightful owner of my SSN and credit history/report? I was told they can't fix it until I receive a letter from them in about 10 days to prove who I am. But yet they issued the card with my name misspelled and not matching my credit report. 

I would like for your agency to look into this as this is inappropriate behavior. 

Thank you! 
XXXX XXXX Wells Fargo Application reference number 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