vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: CA

Complaint narrative:
good afternoon ladies and gentle, on XX/XX/2023 I have XXXX XXXX off for my wife 's XXXX leases from ransack XXXX XXXX, first the selling price was incorrect then XXXX XXXX off was not implied to lower the monthly payments I reached out to selling dear for XXXX month along I informed XXXX XXXX from day one for the mistake to be fixed and nothing was fixed, so I disputed the amount {$2600.00} from discover card where I paid the drive off from, first they gave me credit and took it back cause they received document from selling dealer, then they re issue me credit for the the secound time based on the document received from the dealer being not valid, and today I called because I submitted a new document supports my case I was told by discover the dealer as the merchant got back the credit, I ask discover what happened wy her wander was same no diferent basically they reversed their decision based on faults and fraudulent contract even though I provide discover contract from same selling dealer much lower, I was talking to XXXX from discover and I told her I need to speak to your Mngr, like you know same all stories XXXX on the phone and they will never call back, at that time I told XXXX from discover I will file complaints true all Dpt and her reaction was laughing, makes me feel its ok to bully consumer then auto scammers dealer ships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I went the XXXX in XXXXXXXX XXXX  for a medical emergency back in XXXX  As a service connected XXXX veteran I am allowed to go to a community XXXX when no XXXX XXXXXXXX is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the XXXX and was told the bill would be taken care of. XXXX Physcians billing department called me and I explained to them I was a service connected XXXX vet and the XXXX would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now XXXX years later I check my credit report and it's listed under collections on Experian by XXXX XXXX however it's not listed on XXXX. It is showing an amount on Experian of {$1300.00} so they need to remove this because it's not legit.

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 2023-06-13 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:
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.

The letters are stated with items and issues.

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 2023-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Flandreau Santee Sioux Tribe
State: CO

Complaint narrative:
Received a voicemail with a case number and a callback number. Immediately after receiving this voicemail they called my sister trying to track me down. They were looking for me under my former married name which was legally changed back to my maiden name in XXXX as part of my divorce. I was told I was speaking to XXXX XXXX with XXXX XXXX XXXX XXXX. I was told I was going to be sued by VIP Loan Shop for breach of contract and malicious intent to evade payment. I was told they sent me a letter via standard mail XXXX days ago informing me of my debt. I never took out a payday loan. They claim the loan was taken in my name under my social security number and date of birth in 2010. I asked why this was just now being brought to my attention XXXX  years later. When I informed her I must be a victim of identity theft she kept repeating that I was ethically responsible for the debt, and because they hadn't received a response to their later they proceeded with a process server to issue me a summons to court. I asked her how I was supposed to respond to something I never received she told me she was a neutral party and could only tell me my case was going to civil court. They claim the loan in XXXX was for {$990.00} but due to interest I know owed {$1700.00}. She also told me my account showed in good standing in 2010, but just recently went delinquent. There were too many inconsistencies and refusal to provide information. Upon researching it, the initial phone call came from Rent To Own Hm XXXX. This phone number appears to belong to a bakery in XXXX, XXXX. The numer I was give to call back was XXXX. The person answering refused to give me a business name. None of what I'm be accused of happened as I regularly check my credit report and no payday loans exist. I advised XXXX that I was filing a police report for identity theft and would hire a lawyer if necessary. She then told me " hiring a lawyer will be really expensive and you'll also have to pay court costs unless you resolve the debt. '' I told her no thanks, I would proceed with the police report and lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

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 2023-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
On Friday, XX/XX/2023, we were approved for a HELOC but backed out before signing papers and asked for the loan to be cancelled on XX/XX/2023. According to your pamphlet : What you should know about home equity lines of credit on page XXXX, it says : The lender must then cancel its security interest in your home and return all fees- including any application and appraisal fees, paid to open the account. My bank is charging us {$180.00} to back out for the appraisal and application. On XXXX XXXXXX/XX/2023, I questioned this and read this statement to them but they insisted we owe the XXXX 
Does this apply to our situation even though we didnt sign any papers? 

I was not given a loan number.

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 2023-06-13 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: NC

Complaint narrative:
I have a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so

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 2023-06-12 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: American First Finance, Inc.
State: PA

Complaint narrative:
I recieved an alert about a new account with American First Finance some type of lease with the balance of over {$2000.00} and a new address in XXXX. I disputed that it was not mine and it came back verified. I never lived in XXXX  and I have never been late on any of my accounts, I asked them to get the said lease agreement as well as look at the coincedence of new address with the new account.. I tried calling the company and every time I reached a live person and ask what type of company it was and once i say i have no account but it shows on my report they hang up. I have called XXXX times to no avail this company is a fraud. my score has gone down XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A man called me and said he worked at Chase Bank. He said someone named XXXX XXXX from XXXX XXXX, XXXX was trying to take XXXX out of my checking account and did I approve that. I said no I didnt approve that. He asked me if I wanted him to help me get my money back. I said yes. He had me go on this wire application for chase bank and I thought he was wiring me my money back but instead he scammed me out of XXXX. He called me from chase bank phone number so I thought it was a legitimate call. Chase bank denied my claim to give me back my money because they said I initiated the transfer. I dont understand why they think I initiated the call when the guy called me from the banks phone number. He already had my debit card information. He even told me to get rid of the card because they were turning that card off and sending me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
MACYS/CBNA  was opened on XX/XX/23 without my authorization. Currently has a balance of {$0.00} and credit limit of {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 2023-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, creditors XXXX XXXX XXXX, XXXX, XXXX, Capital One and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, creditors Bank of America, XXXX, XXXX, XXXX XXXX and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to Creditcorp. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm trying to close my IRA and transfer the funds ( about {$3700.00} ) to my checking account with Citibank. I first visited a branch in XXXX XXXX XXXXXXXX XXXX  in early XXXX and advised it could not be done at a branch. 
I was given XXXX pages of forms to complete and send to a processing center in XXXX XXXX, XXXX which I did on XX/XX/2023. When nothing happened after about XXXX weeks, I called them and was told my SIN on the forms did not match their records. I doubled checked it with the rep over the phone and was told there was nothing they could do and hung up on me. I called back and got the same result. 
Last week I then went to the the Citi branch at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX for assistance and my actual Social Insurance card to show the number matched that submitted on the original forms. After much delay and confusion they could not help me. 
I'm entirely frustrated by Citi 's inability/willingness to make my retirement savings accessible after numerous attempts and without any explanation. 
This is obviously a relatively small amount, but for comparison I was able to withdraw IRA funds from a XXXX XXXX branch getting a cashiers check for a much greater amount and in under XXXX minutes.

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 2023-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Speedy Cash has failed to validate what their alleging to be a debt owed yet someone at speedy cash has implemented measures to harass me by phone with calling and text messages which violates XXXX XXXX communications in connection with debt collection which is fraudulent in itself because theres no such thing as debt, subsection XXXX harassing, oppressive, or abusive conduct, subsection XXXX unfair or unconscionable means and subsection XXXX. XXXX false, deception, or misleading representations or means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: KY

Complaint narrative:
On Saturday XX/XX/XXXX I purchased a XXXX XXXX card for XXXX from XXXX. Sent info to my granddaughter in another country, as I have many times before with other cards. She could not activate it and neither can I. 
I took it to XXXX to exchange with receipt in hand, and they wouldn't help. 
I started trying to reach the number on the card but they were closed. 
Got up early today, Monday, and called the number again. I spoke to customer service at XXXX XXXX XXXX XXXX and they transferred me to the XXXX XXXX people. I was disconnected! 
I called right back and followed the lengthy process again and was being transferred but was told nobody answered that number so someone from that dept would email in an hour or so. 
I constantly kept vigil. After two hours, I called again and texted customer service. I was again transferred to a number and was told again they would text me.Hung up and redialed to no avail, nobody was picking up. 
After another 2 hours, I texted and called again. No answer to either. Twice now. 
As far as I'm concerned XXXX has stolen {$50.00} from me and could care less about their customers. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to 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 non-monetary relief
Consumer complaint received 2023-06-12 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:
SEE ATTACHED NEW FRAUDULENT ITEM ADDED TO MY CONSUMER REPORT ON XX/XX/23. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief