vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank is showing a company account that is in default as my obligation. 

I have asked for a copy of the signed credit agreement that makes me libel and they have not provided this agreement evidencing my signature guaranteeing the debt of a company I worked for. 

This is the obligation of Florida XXXX XXXX XXXX XXXX. 

They had a checking account opened for this company when this card went into default and I told them this as well as the name and phone number of the account and company owner. they never contacted the company or the owner and insist it is my obligation. 

All they provide is a copy of a typed form without my signature as proof I guaranteed this. I have filed disputes with credit agencies and they respond that the obligation is mine- yet they have no signature guaranteeing this debt from me. This fraud on the part of Chase to credit agency inquiry. 

They had sent this to a collection agency who dropped the matter when Chase could not produce a signature of guarantee. This is a mistake on the part of the bank and they are not responding with the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I have tried several times to contact the company and have this debt verified. I have not been able to get any answer on the debt. I have also tried to dispute the debt with the credit bureaus and no results. When I called the credit bureaus about this account I was told that the company told them that everything is correct and not to dispute it anymore. The account has different amounts and dates and with them not verifying this debt and everything is different from one credit report to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: OH

Complaint narrative:
15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate 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 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call 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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
Just found out I have been ripped off for the last 5 years by US Bank. I have been paying a monthly fee ( XXXX ) that was not necessary and the only response I have gotten from the bank is " you should have read the fine print ''. I even got the answer from one service member that " all banks have to charge fees '' and then a minute later, " we would have waived the fee if you had brought it to our attention '' I asked who is in charge of Customer Service at the bank and was told that they would not release that information. That makes no sense. 

I talked to 5 different customer service people including bank managers. The first one was wonderful and told me how I might be able to resolve my issue, everyone else awful. The last person was from the Ethics Department who basically said " you should have read the fine print and It's not our job to review your account. I do understand this, but over the years I have sat down with my bankers and have gone over my account and the fee issue was never brought up. 

This is not the ethical company that they present themselves to be.

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 2022-12-02 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAINE & WEINER {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: IL

Complaint narrative:
This complaint is not a duplicate complaint. I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. Re : 1. The following account is not mine untitled collection Account Number : XXXX Please remove this account from my credit report immediately! Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : untitled collection XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself I have enclosed in this package : FTC Report, Affidavit, copy of SSN, ID, POA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent/LVNV Funding have not given a legal contact between their company and myself stating that I promised to a pay them XXXX dollars nor any amount of money. I have not received any notification from their company, nor have I spoken with any representative of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
My name is XXXX XXXX. I filed a complaint a while back with Venmo and XXXX XXXX. I hope you're able to read it, but long story short is they " cashed '' my {$350.00} check and didn't fund any accounts with it, at lwast not MY account. My money is somewhere just not with me. I have acreenshots and proof which I provided with my last complaint. 

I've tried to follow up but they both are still giving me the run around. There is absolutely no reason that they haven't gotten me my {$350.00} they owe me. It has been 3 months. I have been behind 3 months on bills because of it. I'm still struggling because that was food for my kids and I for a month. It has put me so behind. 

I just want my money I am owed. I cashed it through the Venmo app, which is cashed by XXXX XXXX. I feel like it's not much to ask for to get my money I'm owed. There's no way this is taking 3 months to solve. You cashed my check, didn't fund me and I want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 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: IL

Complaint narrative:
This complaint is not a duplicate complaint. I am writing to request the method of verification for dispute initiated on XXXX XXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. Re : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself I have enclosed in this package : FTC Report, Affidavit, copy of SSN, ID, POA

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 2022-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a personal loan with Discover that was used to consolidate debt. I 'thought " I paid off the loan in XXXX when I made a large payment of around {$17000.00} dollars. I paid through their website ; however, they applied that amount as monlthy payments. I had not heard from them until XXXX of XXXX. They said I still owed in excess of {$500.00}. Their management failed to recognize their blame and I had to pay that amount today as of XX/XX/XXXX. They loan should have been paid in full when they received the large amount all at once rather than applying a large sum monthly and utilizing the large payment of $ XXXX interest free for the length of the loan. 

I believe discover should return my payoff amount I paid today of ~ {$540.00}. I think this is a predatory action and they should be made to return my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I applied for milestone credit card on XX/XX/2022 and never got the card called milestone on XX/XX/2022 and was told the card was never shipped and they would get a new card out to me right away. Called today XX/XX/2022 to make sure the card has been shipped and the rep advised they reported the card lost or stolden on the XX/XX/2022 when the first rep stated it was never shipped and now the second rep XX/XX/2022 stated a new card has not been shipped as they don't have plastic to make the cards. So i applied for a card that it appears i will never get so i would like to see what you can do to handle this for me. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2022, I opened a new 1 Year CD online with CitiBank. I had {$250000.00} transferred from an existing CitiBank savings account to fund the new CD. During the online procedure to open the CD, I specified that the monthly interest earned on the CD should be added to the CD balance. On XX/XX/2022 I checked the balance on the new CD to find the interest had been deposited into my savings account NOT the CD as I had instructed. After hours of being transferred from one customer rep to another on the phone, I was finally informed by CitiBank that the CD interest could not be changed to post to the CD until the maturity date. So, basically, all interest earned on my new CD is being deposited into my savings account earning a lower interest rate. Not only is this a result of the banks error but it prevents my interest on the CD from compounding which saves the bank money. I find it unacceptable that CitiBank refuses to correct this issue.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed 2 unauthorized atm withdrawals on my checking account on XX/XX/22 in the amounts of {$300.00}. Totalling {$600.00}. I immediately called my bank ( Wells Fargo ) and notified them of the issue. They issued me a new card number and started an investigation that concluded that the transactions were authorized and denied my claim.

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 2022-12-02 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On or around XX/XX/ I received an alert from my Financial institution that an attempt was made to change personal information on my account. ( not the account in dispute ). I called the bank and confirmed several unauthorized transactions were made. The next day I received messages from XXXX that orders had been made in my name, all using my Paypal line of credit through Synchrony Bank ( 4 in total ) I was able to resolve all but one of the unauthorized transactions my contacting the XXXX sellers directly and informing them that the purchases were fraudulent and requesting a refund. I was unable the resolve the one unauthorized transaction with the XXXX seller, who would not refund my money, I contacted Synchrony Bank to inform them of this unauthorized transaction, and opened a fraud claim. After about two weeks I received a letter that informing me that my claim had been denied with the reason being that " I authorized, participated in, or benefited from the purchase '', which is completely false. I called Synchrony Bank to inquire about their decision to deny my claim. The person I spoke with said they would submit the claim again and I provided additional informing them that I was the victim of identity theft, and requested to speak with the investigator who would be handling my claim. Two weeks later I received a letter from Synchrony Band informing me that the claim was being denied again for the same reason with an additional reason stating the the item was shipped to my address, which it was not. I never contacted by an investigator as I requested, and the claim was closed before I was given the opportunity to submit a Fraud Investigation Form which I received in the mail days after my claim had already been denied, not giving me the opportunity to provide information related to my claim.

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 2022-12-02 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) DATE:XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX of XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Resident Verify Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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