vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I file a bankruptcy inXXXX that was later discharge in XX/XX/2019 which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits XXXX XXXX XXXX and equifax by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im disable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I file a bankruptcy inXXXX that was later discharge in XX/XX/XXXX  which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits bureau XXXX  Experian and XXXX by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im 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 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/23 I received a text message from " Bank of America '' asking " Did you attempt a {$3500.00} XXXX transaction. Reply Yes/No/Help. This text was from the number ( XXXX ) XXXX. I did not respond to this text. 
On XX/XX/23 I received another text message with exactly the same language from number ( XXXX ) XXXX XXXX from a person named XXXX XXXX. 
I responded NO and immediately got a call back from someone who said they were from Bank of America. He then took me through EXTENSIVE steps that he said would rectify this matter, even transferring me to a person from XXXX. Neither were representatives of these companies. When I hung up I called my bank to find out that this transaction was put through. This SCAM is RAMPANT. For further clarity this is how it works : " A common example of the latter is the XXXX Fraud Scam, which uses an ever-shifting set of come-ons to trick people into transferring money to fraudsters. The XXXX Fraud Scam often employs text messages and phone calls spoofed to look like they came from your bank, and the scam usually relates to fooling the customer into thinking theyre sending money to themselves when theyre really sending it to the crooks '' Bank of America is not willing to refund my {$3500.00} saying that since it was me that transferred the money that there's nothing to be done about it. 
I am proceeding with filing a complaint with the local police, the FBI and notifying XXXX, as well as any other organizations that deal in these matters, as well as any political figures that focus on these fraudulent banking practices.

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 2023-08-19 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account XXXX Dear TransUnion Consumer Relations, I am writing to formally dispute the accuracy and validity of an account that is being reported on my credit report. The account in question is referenced by the account number XXXX. According to my credit report, the account details are as follows : Creditor : XXXX XXXX Balance : {$470.00} Highest Balance : $ 432 Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Term : 7 months Payment History : You've indicated that I've made 100 % of payments for this account on time. 
I would like to bring to your attention that I have no knowledge of this account, and I do not recall entering into any agreement with XXXX XXXX or any other entity for the debt mentioned above. Additionally, the payment history provided does not accurately reflect my financial activities. 

Considering the information provided, it appears that there may be an error or misunderstanding. I request that you conduct a thorough investigation into the validity of this account and the accuracy of the reported information. As part of this investigation, I kindly ask that you provide the following : Verification that the debt is indeed associated with me and that I am responsible for it. 
Copies of any documentation, contracts, or agreements related to this debt. 
Detailed payment history, including dates and amounts of payments made. 
Any communication or correspondence from XXXX XXXX related to this account. 
I believe it is crucial to resolve this matter promptly, as it is adversely affecting my credit standing. I have always been diligent in managing my finances and ensuring that my credit report is accurate. I respectfully request that you expedite the investigation process and provide me with a written response outlining the results of your investigation. 

In accordance with my rights under the Fair Credit Reporting Act, I am requesting that you provide a response within 30 days from the date of this letter. If you are unable to verify the accuracy of this account, I request that it be removed from my credit report immediately. 

I appreciate your attention to this matter and your commitment to upholding the accuracy of credit reporting. Please provide any communication regarding this dispute in writing to the address mentioned above. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely,

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 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Around XXXX  XXXX unpaid bill was put on my credit report stating an account was open and had unpaid bill. Told company I was a victim of identity theft when my wallet was stolen. I have had XXXX service almost my whole life until this day. The dates in which they say this was open align with stolen identity account was open online not in person which allowed the person to open fraudulently. Have tried multiple times to explain and get this issues resolved over years with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Company has taken out money for 3 months without mine or husbands consent! 
I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello there, I would like to dispute the following transactions from the merchant : XXXX. I have made several purchases from them back in XX/XX/2023, however only 1 of them have arrived at the intended destination. I was notified by USPS that the remaining packages had a invalid address and thus were undeliverable and the current whereabouts are unknown. I have tried contacting the merchant and they are refusing to give me a refund. 
Here are the following qwertyqop purchases that I would like to dispute : 1. Order # XXXX Item ( XXXX ) : - XXXX XXXX XXXX- PC Top  - XXXX XXXX XXXX- Wrist Rest ( Beige ) - XXXX XXXX XXXX- Hotswap ( XXXX ) XXXX  Purchase Amount : {$190.00} USD 2. Order # XXXX Item ( s ) : XXXX XXXX XXXX- Hotswap ( XXXX ) XXXX  ( ordered 2 of them ) Purchase Amount : {$120.00} USD 3. Order # XXXX Item ( s ) : - XXXX XXXX XXXX- XXXX Top - XXXX XXXX XXXX- Carbon Fiber Top Purchase Amount : {$73.00} USD I contacted my Chase bank to file a dispute with my credit card bank, however they denied my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
on XX/XX/XXXX  I filed a complaint with the credit reporting agency about my personal information being incorrect. As of XX/XX/XXXX  the information hasn't been corrected.

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, I attempted to make a purchase from XXXX Off XXXX using a split payment method, split between my Personal Platinum and my Business Platinum cards from American Express. Payment went through on my Business Platinum card but was declined on my Personal Platinum Card. The next day, I re-tried payment but the opposite happened : Payment went through on my Personal Platinum card but was declined on my Business Platinum card. I reached out to Amex about the issue, most notably that both charges, one in the amount of {$13000.00} and one in the amount of {$4100.00}. 

I inquired about how long it would take for both charges to drop off my account. At this point, Amex informed me that 1 ) both charge cards had been restricted and had a very low credit limit placed on them, and 2 ) I had to wait a minimum of 12-14 months before I could appeal the credit restriction. 

Even worse, the pending charges on both charge cards WERE NOT contributing to the temporary credit limit, so the credit limit ( {$4700.00} on both cards ) that was placed DID NOT have the room to increase once the pending charges on both cards fell off. 

When I asked to appeal this, I was told there was nothing I could do, and if I didn't like it, I should just close my account. I first spoke to XXXX and them spoke to Supervisor XXXX ( ID number XXXX ). They both echoed each other. Now, I'm stuck with a business charge card with a {$4700.00} credit limit and a personal charge card also with the same credit limit and over {$17000.00} in pending charges with no intention of the credit being increased for 12-14 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
AMSHER COLLECTION SERVICES HAS ALREADY ATTEMPTED TO PUT THIS ON MY CREDIT LAST YEAR, AND I REPORTED TO CFPB.THEY HAD IT REMOVED OFF MY CREDIT ONLY TO ILLEGALLY PUT IT ON MY CREDIT REPORT ONCE AGAIN HERE IS THE OLD STATEMENT AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. XXXX XXXX account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U, S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Resurgent Correspondence at the address listed on their website, Resurgent Correspondence, C/O LVNV FUNDING LLC, XXXX XXXX XXXX XXXX, SC XXXX, asking them to provide proof that they indeed have a signed contract with my signature to collect on this account. 

Per law, I provided them 35 days before sending a second written request dated XX/XX/2023, asking for the same information, but as of this date, I have not received any type of correspondence from this company. 

They have consistently added a {$6.00} fee to the balance and have been reporting this to my credit files each month causing my score to decline monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited XXXX $ into RBFCU atm, ATM indicated a technical error had happened and the money I put in can not be returned I was then provided a ticket with stated I deposited XXXX and the ATM malfunctioned the next day I took that ticket to the bank and they said they would investigate it and it may take up to 10 days, after a few days I received XXXX $ in my account and I called and they said case closed I demanded they opened up another investigation they did so I then waited another 10 days ( 2 weeks since I deposited now! ) and nothing I called and they said case was closed thats it and theres nothing they can do the bank literally robbed me XXXX $ + dollars and they say theres nothing I can do! RBFCU literally commited theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute when XXXX and Experian. I did not ask for a pay for deletion letter or any negotiation as I articulated that they BOTH have violated my consumer right s- willfully. I just tried to dispute errors on MY OWN CONSUMER REPORT and Experian said that I couldnt dispute it. ITS MY REPORT- NOT THEIRS. They are a non affiliated third party that NEVER had my permission to report ANY activity good or bad on it. I have precipitated this to both the CRA AND the creditor and they refuse the delete this account. How can Experian tell ME what to dispute! This is egregious!

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 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I wish to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding a financial scam that caused me significant financial and XXXX  harm. 

Please see the attached PDF file containing all relevant documents and evidence.

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 2023-08-19 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: 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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX credit usage 0 % has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms 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. 16818-2 ( AX1 ) 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 2023-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX  {$730.00} Not the correct amount or account information!

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
After CITI DOUBLE CASH CARD robbed me of {$230.00} by siding with a merchant who promised 100 % customer satisfaction and to pay for return shipping, but did not honor either promise, as I proved with screen shots of the merchant 's XXXX page, I tried to close my account. CITI 's website says that the way to close an account is to call their customer service number, which I did on or about XX/XX/2023, when I asked them to close my account. Since then they have continued to send me checks, and now they have emailed me that they are sending me a new card. I want this to stop. They are crooks, in cahoots with XXXX scam artists, and I want nothing to do with them. And I don't want responsibility for any checks or cards that they send me.

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 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Midland Credit Management and XXXX XXXX XXXX XXXX DATES OF ATTEMPTS XX/XX/2023 XX/XX/2023 XX/XX/2023 This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named Title and section. I respectfully that your office provides me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove that the Statue of Limitation has not expired on this account ; Show me that you are license to collect in my state ; and provide me with your license numbers and registered agent or agent of service. 
If your office are unable to submit the requested information, I request immediate removal from credit report. if your company is able to provide the requested information I require 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with non-monetary relief