vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Both XXXX XXXX inquiries are fraudulent on my report did not sign up for credit with company

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 2024-05-21 00:00:00
Product: Credit reporting 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 recently check my report and there are address on my report that are not mine!!

These need to be removed asap It is a violation of to FCRA 605B ( 15 U.S.C.

1681c-2 ) XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I rented a car XXXX to take a trip to XXXX in XX/XX/2024. I ended up canceling car and XXXX sent me back a refund and I never received it Ive sent them multiple receipts from XXXX and they keep telling me it was returned to my account but can never provide proof of the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX account was hacked and someone purchased tickets for {$1000.00} via XXXX ( I'm not sure how this works, but they hacked my XXXX, but XXXX is the charge code on my account ). Because they were able to hack into my full account, the information used to make the purchase was my correct information. The hackers used a tactic where they sent a barrage of thousands of emails to my email address to hide the transaction email from XXXX and XXXX. However, I discovered the email within an hour of the transaction and immediately called Chase to cancel my card, which they did. The customer service rep said they would send the claim to the fraud department and they would get back to me within a few weeks. I called XXXX and XXXX separately to try to cancel the tickets, but neither company would cancel the tickets ( even though I caught this within an hour of purchase ). A few weeks after that, Chase refunded the full amount to my card, and I thought it was settled. However, today ( two months later ) I received a letter from Chase saying they would not accept my fraud claim because I " benefitted '' from the purchase. They're claiming that because the hackers had all my correct information to make the purchase that it's a fair purchase. They hacked into my account, so of course they have the correct information. I called Chase and had them reopen the claim, and I'm attempting to get proof from XXXX and XXXX that I called them in XXXX to report the fraud ( which would've been nice to know I might need that back in XXXX when I was calling them ). But I'm concerned that Chase is not using common sense here. This is a very common crime they must see all the time. The ticketing sites are hacked all the time. I didn't know that my card was saved on my XXXX, but even if I had, it shouldn't have mattered. BECAUSE ( and here 's the real issue with Chase ) the card number saved on my XXXX account that was used to make the fraudulent transaction was a number that was victim to fraud over a year ago. The card was cancelled over a year before this new fraud, yet it was still linking to my new credit card number. This should've been flagged by Chase, which would've avoided the fraud in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I dispute an accurate at the beginning of the month and sent letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: GA

Complaint narrative:
The debt collector contacted me via a letter indicating I owed a debt to their client. I sent correspondence in writing indicating I have no contract with their client, XXXX XXXX XXXX. I requested a copy of the contract with XXXX XXXX XXXX. They sent me a copy of a contract with XXXX, XXXX, an organization I previously had a contract with that went out of business. I wrote back indicating the contract they sent me was not with their client and included a copy of the contract they sent me. I heard no response and never received a copy of a contract I signed with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: WI

Complaint narrative:
OppFi, or Opportunity Financial, is nothing more than a Racketeering in Corrupt Organization masquerading as a legitimate lender. This predatory scum has been caught red-handed RENTING A BANK in blatant and criminal violation of both XXXX and Wire Fraud statutes. 

While engaging in this bank-renting scheme, they've duped tens of thousands into predatory payday loans with exorbitant interest rates far beyond legal limits. They cunningly conceal these outrageous rates within application fees, loan fees, and other illegal charges, all in direct violation of the Criminal Codes and Procedures of the US Government. 

Despite these well-documented offenses, OppFi has also flagrantly violated the FDCPA. They have harassed me relentlessly, " psycho-calling '' up to 5-6 times per hour, even after being explicitly told to cease and desist. They stooped so low as to send a police officer to pound on the door of my ex-girlfriends house in the early hours of the morning, all in pursuit of their ill-gotten gains. 

Every action they've taken is criminal under the law, and they must be stopped and imprisoned. This includes every individual involved in this vile organization, not least their unscrupulous attorney, XXXX XXXX at XXXX XXXX, XXXX. They are all complicit and should face the full wrath of the justice system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I am trying to purchase another home. I then seen that there were damages to my report. According to the 15 USC 1681 law there should be no damages on my report. This is deffamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I received an insurance claim check for repairs after a small fire. The check was made out to me and my ( then ) mortgage company. The mortgage company put the check in a " restricted escrow '' account. Before the money was totally dispersed to me, the mortgage was paid off. On the payoff quote was stated that the money could be applied towards the payoff. I spoke with the department that handles insurance claims and was told that once the mortgage was paid off, the money would be released to me in total. I was also told that the insurance claim department released the money back to my account and customer care would be handling cutting the check and sending it to me. This was in XXXX. The mortgage was paid off on XX/XX/XXXX. The mortgage company has not released the check nor will they give me an answer as to when the money will be released. I called numerous times throughout XXXX & XXXX, I have been transferred back & forth between arguing representatives as to which department is responsible. Last week ( XX/XX/XXXX ) I spoke with the escalation department who assured me they would have an answer in 5 business days. I did not hear back today and called them again. I was told they are still looking into this and will try to get to me with an update by the end of this week. I have yet to receive an explanation as to why the money has not been released. ( I have notes with names & dates of my phone calls )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX I made a final payment to the car loan, I made the payment on a Thursday for the full loan amount. At the end of the month I received an update to my credit report stating the loan was paid in full and the account was closed. I also received a letter from the MVA with my title saying that my loan had been reported as paid in full and that lien was satisfied. In XXXX I got a new hit on my credit report stating that I had a 60 day outstanding loan payment. Apparently, the loan payment I had made was not processed until the following Monday, so about XXXX cents interest accumulated to the loan, and for 3 months it sat there and I had no idea since I was told the loan had been paid off already. I have been working with the bank since then to get this taken off my credit report, and nothing has changed. I even had Experian open a dispute with the bank who stated the information on the report was accurate. Now my credit report has the loan on there twice, once as being closed and paid in full in XXXX, and another from XXXX saying the loan was delinquent, and then was paid in full and closed again. As if there were two separate loans. This is dropping my credit score by over XXXX points, even though it is literally the only negative thing on there from the past 20 years, so now its impossible for me to get a good loan because of this. At this point I don't even know what to do anymore about this because nothing is getting fixed.

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 2024-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
A national tire company, XXXX XXXX uses this bank for finance options when needed for tire purchases. The bank is XXXX. After paying my bill, I was taken aback by the bank prompting me to enter my entire social security number on their bill pay website. I called and made this point clear a couple days after the due date with a phone representitive. I was told the balance was {$41.00} and that payment would " zero out '' the balance on my XXXX XXXX  card. I was charged {$37.00} for the " delinquent '' payment. Subsequently, a second fee of {$37.00} was added to the balance as I just assumed I was done with my payment obligation. My latest statement ( XX/XX/year> ) shows a balance of {$76.00},, due to XXXX late payments of {$37.00} each on my balance of {$41.00}. This debt was paid in full acording to the offshore Comenity customer service representative. I had no reason to even open the last paper statement. I just assumed my balance was paid in full. I was shocked to see my account charged XXXX late fees and interest accrued.This nesesitated a phone call to XXXX where, I was prompted to enter my entire social security number. It's imporant to note, Comenity blanks out all but XXXX digits of the account number on their paper statements, therefore prompting me to enter my SS #. After more than an hour on the phone with XXXX representatives from XXXX, all declined to waive the excessive fees and the XXXX XXXX APR interest rate. My obvious frustration and anger, for good or bad, prompted XXXX to block my number for paying my " surprise '' balance of late fees and interest via the customer bill pay phone line. I canceled my card with the fifth customer support representative in my marathon phone session. So, my card is cancelled by my request. When I got to my home phone I was further agrivated by these charges and called to make a payment on my balance of fees and interest. The company has blocked my number from further communication with Comenity. I'd be more than displeased to pay my balance but would with small increments till the {$76.00} was paid. XXXX says no payment other than the minimum payment would be accepted. I am aware that there is a loud voice from consumers to banks to " be fair '' with outrageous fees. In my estimation, XXXX simply doesn't need or can't justify this kind of money, AFTER my purchase has been paid in full. Since my account has been canceled, can I not simply make any payment option I choose to pay these fines? 
I'll write my representatives in XXXX to shine the light further on business practices by banks that harm real people, like me. Please afford me any options that XXXX be available and thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been a customer of AMEX since XXXX. In XX/XX/XXXX, I received a call from Amex asking me to upgrade my current credit card. I agreed and they processed the card. My understanding from the conversation was it was an upgrade to my existing two cards ( everyday card and blue card ) by increasing the credit limit. But in actual this upgrade was to a XXXX credit card that has a membership fee of {$690.00} annually. I was not informed about this fee during the phone conversation. Then one month later I got a mail that had a platinum card in it. I was remarkably busy and did not bother to activate the card. A few days later another card was sent to me. I got confused. Then a new monthly payment statement showed up. I opened the statement, and it shows two charges, one {$690.00} for the first card and another {$190.00} for the second card totaling {$890.00}. It says both charges are membership fees. First, I am not a business traveler or a XXXX XXXX banker to ask for such luxury cards that have a fee in it. Secondly, I have never made a request for a second card. It was simply pushed to me. I was really upset and this past Sunday before I went to church, I made a phone call to Amex customer service. I spoke to five different people explaining to each one of them that I have never subscribed for such a card that has a membership fee and asked them to remove the charge. They all refused to listen and address my concern. I am not stranded with a fee of {$890.00}. I am not willing to pay this fee. I did not receive the service., I did not want to be part of it and asked them to cancel the XXXX card. They cancelled the card, but the fee is my responsibility according to Amex. I would like the US government to stop such predatory banks and credit card firms from misleading customers. Kindly request your office to resolve this issue. If this fee is not removed my credit score will be affected because I will not be able to pay this illegitimate charge. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
In the last quarter of 2022, I had hit my limit on my card. I had already had issues with the autopay system with Capital One, and had set it to take the minimum balance to be paid. Instead, it took the entire XXXX dollar balance, leaving me with no money in my bank account. I called Capital One to request a refund, but they said they could only mail a check. I did not have reliable transportation at the time, and so I told them NOT to send a refund. I used my card for groceries and bills, totaling to about XXXX dollars. Out of nowhere, my credit card had a balance of about XXXX dollars on it, and was taking money out of my account, and it tanked my credit from XXXX to about XXXX. I called back and they said they had sent the check, despite me having said not to, and it never even made it to me anyway, as I had been fortunate enough to get a ride to the post office. I told them I wanted it voided, and the extra fees and interest removed, and to have my credit fixed, as it was their mistake that damaged it. They said that was fine, and even when the money was reapplied to my account, it still had my balance at about XXXX dollars, and my credit was not fixed. My maximum was then lowered to below the current balance, resulting in ridiculous interest rates, to the point that a XXXX dollar payment only put XXXX to the balance, and XXXX to interest. I have had numerous calls, and nothing has been fixed, and recently, I have had autopay withdrawals of about XXXX dollars, which then did not go toward the credit card. It had no history of the payment, so I have no idea what that payment has been for, as that is my only credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : ACCOUNTS : 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 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
The Moore law group in violation of FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 and 16929 ( a ) failed to provide Validation of debt of the fraudulent purchases made on my account. Then filed a lawsuit case number XXXX in XXXX XXXX without providing Validation of the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I sent letters regarding reported accounts without my consent. It violated my rights as a consumer. It affects my score and my credibility as a consumer.

Company response to consumer: Closed with non-monetary relief