vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: LEXISNEXIS
State: MA

Complaint narrative:
Hi, I opted out of Nexis Lexis, Innovis, and ARS reporting because XXXX, XXXX, and XXXX keep inaccurately reporting that I have a bankruptcy on my credit report. This is causing me emotional distress and it is blocking me from getting funding for my business and finding housing. 

XXXX keeps saying that they verified the information, telling me that SOME SOURCE ( will not tell me who ) is still reporting that I have a bankruptcy even though I opted out of them and what they are reporting is not accurate. 

I have a letter from the XXXXXXXX XXXX XXXX  that they do not release that information so there is no way for any reporting agency to verify this. 

In XX/XX/XXXX I requested to be opted out of Nexis Lexis, XXXX, and XXXX  In XX/XX/XXXXXXXX  I got a letter from the XXXX XXXX XXXXXXXX that they do not release this information ( therefor it is impossible to verify as accurate ) in addition to me requesting that Lexis Nexis not share my information. 
In XX/XX/XXXX I sent letters to XXXX, XXXX, and XXXX to remove my bankruptcy since they can not verify it On XX/XX/XXXX XXXX revealed an investigation dispute that they verified a bankruptcy on my credit report as accurate, but they will not tell me who they got this information from and I opted out of all reporting agencies back in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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 as a consumer. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

15 U.S.Code 1681 section 604 A. Subsection 2- States a consumer reporting agency can not furnish an account without my written instructions and 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 explanation
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Care Credit has reduced my credit limit twice without mailing written notification. The second instance occurred in XX/XX/2023. I faithfully log into my account each month and set up my payments weeks before the due date. Around XX/XX/XXXX, I noticed my payment had not been posted to my bank account so I logged into Care Credit and identified my payment was never submitted. Instead, late fees were applied to my account. I called and Care Credit reversed the late charges. I requested a login history for my account and was told that one could not be provided. Knowing my statement date, I logged in to my account to set up my payment for XXXX and CC had lowered my credit limit. When I called in I was prompted for my salary history ( I refused ). Care Credit uses this tactic to reduce your credit limit so they can charge a higher interest rate and try to force you to apply for a credit limit increase. This is also damaging to your 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 monetary relief
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
On XX/XX/XXXX my Chase debit card was fraudulently used to make a purchase from a company called XXXX XXXX I did not order or authorize this purchase. I called Chase Bank that same evening to report it. They canceled my debit card to send me a new one. Then they gave me a temporary credit while they review the claim the following day another charge from the same company for the same amount. I did not have sufficient funds in my account for this purchase because it was not me making the purchase, but Chase Bank authorized both transactions and paid it even though I had no money in there my checking account was overdrawn twice Chase bank gave me a temporary credit for that as well. on XX/XX/XXXX XXXX  XXXX  put a credit in my account of {$59.00} on XX/XX/XXXX chase bank reversed that credit and took it out of my account. They also reversed it and took it out on XXXX XXXX which left me with {$11.00} for food to last for a week I have been calling and working with Chase Bank for over 60 days to get this resolved. They will not give me my {$59.00} back. They said their review client of the claim showed that I had provided information to authorize this purchases I did not. I have had a meeting on the phone regarding this. I have called the claims department several times. They are not going to give me my money back was their final decision. Ive got mixed messages some that were not true from Chase employees. Chase bank said I would need to contact XXXX XXXX and deal with it myself they did give me a phone number which I called several times the number did not the call did not go through as the number was not a good number. This company does not exist. It was a scam. I need help getting my {$59.00} back. I know its not a lot of money but I live on XXXX XXXX XXXX XXXX and its important part of my budget. Thank you very much from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Was notified late of escrow payments increasing for calendar year XXXX but their math does not make any sense, and I have filed a separate complaint. Called them today to request escrow reanalysis. Rep on the phone transferred me to a " tax specialist '' who asked me to tell them what the property tax should be in XXXX  on my home so they can just punch in whatever number I tell them and hold me responsible. 

I am not a tax expert- why was I asked to do this? I asked them to explain the analysis to me and they could not. I went to the XXXX XXXX tax assessor website and in XXXX  the max rate is 1 % and my assessed property value has dropped this year - my tax reservation on escrow can not physically increase more. 

I told them what I as a non " tax specialist '' thought was the max amount, 1 % of the assessed value as per my state law. They should be able to manage this, and if they are a tax expert but are recalculating my escrow ( which takes so long they did not in fact furnish me with the results- why are they unable to get the right amount? 

My loan was sold to them, I don't want to do business with them to begin with - but why can they not get this right, and why am I being held responsible for them arbitrarily raising my mortgage payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents and commence an investigation into the accounts falsely reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a roofing company and deposited a check on XX/XX/XXXX 
The bank put a hold on it. 
They told me to cal back today and they would eliminate the hold. 
So I did. 
They asked me to give them the homeowners phone number to verify the check which I gave them.

THEIR VERIFICATION SYSTEM couldnt find that number so I gave them the homeowners company and home number. 
They still couldnt find him. 
I need to pay my contractors and chase is no help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
On XXXX XX/XX/2023, I signed up for credit repair services with Lexington Law, and agreed to be billed $ XXXX for said services. 

I paid an initial account setup/access fee, and then was billed for what I believed was the first month of service on XXXX XX/XX/2023. It was my belief that in paying a monthly rate for services rendered, this payment covered services from XXXX XXXX to XXXX XX/XX/2023. 

On XXXX XX/XX/2023, I called Lexington Law 's call center and requested cancellation of the account prior to my next billing date of XXXX XX/XX/2023. I was informed at that time that my payment on XXXX XXXX was actually a " fee, '' rather than a charge for services rendered for the month, and that my first payment for services actually rendered was not charged until XXXX XX/XX/2023 ( date following the month of service ). In Lexington Law 's opinion, I still owed them for services rendered between XXXX XXXX to XXXX XX/XX/2023. 

I believe that the use of an initial " fee '' that appears to be the same charge as a monthly payment for services rendered is fraudulent and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  reached out to me due to accounts taken in someones name similar to mine. The last 4 of SSN on this account does not match my SSN. The address used for the accounts also dont match what I had on my report. But somehow its reporting on my Credit profile. The original creditors are not listed under my creditors on my profile. So I dont know how this collection company can add a collections to my profile when the original creditors are not associated with my profile. 
On XX/XX/XXXX XXXX collection balances for {$410.00} and {$580.00}, original creditors Comenity Bank was added to my account. I called the original creditor and the only account they had for me tied to my name and SSN is my Ulta account. Which is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I purchased items from XXXX using Afterpay as my payment method. I returned the merchandise over a month ago and Afterpay is still holding on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX from Investment Retrievers contacted my brother about a debt they claim I owe. They contacted my brother at an email that was never provided to them. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also contacted my brother about a debt on behalf of Investment Retrievers. They contacted him at an email that I never provided. 

XXXX Investment Retrievers is based out of XXXX XXXX XXXX XXXX XXXX XXXX is based out of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/, I called XXXX XXXX to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/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 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I originally had 2 mortgages on my home, under Option One. both were sold to Ocwen, while with Ocwen I did a modification. which consolidated them into one mortgage. Now I am with XXXX XXXX XXXX XXXX XXXX 

I am trying to refinance with XXXX XXXX XXXX, I can not do so because Ocwen still has a lend on the title for the second Mortgage. Each time when I call, they tell me they can see where it was modified into one, but they have the paperwork for clear tile. and this was all done in XXXX So now they are telling that it appears that the second Mortgage is still with Option One. I have been trying to clear the title along with the refinance company for over 2 months now without any progress. The bottom line is Ocwen is the mortgage is listed on the title with the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
Charge was reported. I submitted minimal information at first asked if more was needed was told no charge would be reversed and investigaton would be done. 

Later I called to follow up was told to wait, followed up again and was told still pending. After several calls did not get anywhere with claim. I explained in detail over phone what happened but nothing was put into writing on on file for claim. Later received decision that charge was reversed and given to vendor. {$400.00} was added to my card with interest XXXX XXXX XXXX XXXX I refuse to pay for a charge that I disagree with customer support has given little to no resolution just making me jump through hoops and run around just to what I feel is a slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

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 explanation