vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been harassed for months by companies claiming to work for Check N Go loan services and a company called XXXX XXXX XXXX that says Check n Go sold my account to them. I have gotten calls threatening to sue and seize my property. They have threatened to take me to court and claimed they were just trying to mediate and help me. I receive these calls literally every day and I have records to prove this. I will be suing to the full extent of the law if this contact does not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SF VAGO, LLC
State: MI

Complaint narrative:
This company is reporting inaccurate information to my consumer reports. Not only is the information inaccurate, it is too old and obsolete to be reported on my consumer reports. This has caused financial damage to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 

XXXX. DIVERSIFIED ADJUSTMENT Original creditor : XXXX XXXX number # XXXX XXXX. XXXX XXXX / Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The company Comenity Bank is making harassing phone calls 7+ phone calls a day which is violating the FDCPA. Some of the calls are coming from blocked numbers at XXXX. 
The photo attached is from XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: CA

Complaint narrative:
Recently it came to my attention that my back had been charging NSF fees, despite federal regulations. 
I contacted Chase Bank on XX/XX/XXXX requesting the NSF fees on my accounts be reversed. 
They only reversed the most recent fees, and refused to reverse them all, stating " You have exhausted all of the courtesy refunds available on my accounts. '' I made them aware that it is illegal, particularly in CA, to charge junk fees. 
Their response was the same, " You have exhausted all of the courtesy refunds for your accounts. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Motivated by laziness and a disgusting belief Citi is allowed to willfully break US federal law so long as they have an offshore team, a rogue and corrupt Citi employee refused to transfer me to the fraud department to resolve an ongoing issue that needed me to be able to speak with them.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
They agreed if I made a {$34.00} payment they would show my account in good standing. I made the payment on XX/XX/23 and on XX/XX/23 the account was showing as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need. 

The Fair Credit Reporting Act ( FCRA ), particularly sections XXXX and XXXX, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section XXXX, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section XXXX to offer consumers a free copy of their file once a year upon request. 

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system. 

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company. 

I appreciate your compassion and your prompt attention to 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need. 

The Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 608, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section 611, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section 608 to offer consumers a free copy of their file once a year upon request. 

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system. 

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company. 

I appreciate your compassion and your prompt attention to 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 2023-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I was approved for a Possible installment loan on XX/XX/2023, with payments of {$23.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My initial payment of {$23.00} was successful, but as my second payment approached, I began to experience financial difficulties. Given my current situation, I asked for a deadline extension to give me more time. Knowing that payments are reported to credit bureaus after 30 days, I diligently attempted to contact customer service to confirm whether payment reporting would be based on the initial or extended new date ( Ex. When a payment is delayed with XXXX 30 day reporting is based on the new delayed payment date and not the original payment date ). Unfortunately, I was not successful. With no provided information, I attempted to execute a single payment for the current due installment ( again trying to save my credit ) but was unable to do so and was forced to pay the whole amount due. When I attempted to acquire assistance with my payment issue again, I was met with generic robotic messages and no direct number to call for immediate assistance. This is an unfair practice that does not provide consumers witha fair chance to save their credit reporting and prevent adverse actions. Even after agreeing to pay the sum in full, I have yet to receive assistance as of today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase charges a fee for cash advances that are not true cash advances for XXXX. They are credit card transactions. I am not advised of this fee at time of purchase so this is deceptive and unclear when I pay through XXXX. The Chase customer rep I contacted would not give me any information on when this fee policy was implemented and only said it would be found in my account opening disclosures. XXXXXXXX XXXX is being exchanged so I am not sure how this is defined as a cash advance. Very confusing and disappointing from Chase as I have banked here for many years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Date of Application : XX/XX/2023 Requested Credit : Unsecured & Secured Secured Card : It appears that we have a bait and switch type of tactic being using as this Card is marketed for " rebuilding and establishing '' credit. 

Citi Bank has a recognized policy of extended credit based on relationship, and I've been a customer of thr bank for over 2 years. 

This Card does not present any type of risk to lending with the collateral secured by a deposit Only reason for denial would be to further hurt the financial situation, and not want to promote financial well being by the Card increasing the credit report positively, or XXXX discriminstion. 

Custom Cash Card : It appears that this card is being extended to individuals with XXXX 's credit score, and the current XXXX score is XXXX. 

There has been a long history of credit for 15-16 years with great payment history. 

Late payments are very good at XXXX out of XXXX payments paid on time and never late Income is average for the demographic. 

Inquiries I want these inquiries removed they are ruining my credit by black listing me and making me apply frivilously without ever obtaining credit. 

Every household is required to have a credit card for emergencies!

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Bull city financial debt collectors put a collection of {$1200.00} on my XXXX credit report. This debt was originally put on XXXX and was almost immediately removed from XXXX after I disputed it but remains on XXXX. I lived in florida and then later on moved out-of-state. When I was getting ready to move. I called the original creditor which was XXXX XXXX and asked them to terminate service At the service address because I was moving. They set up a date. I paid my remaining balance. 
And When I moved I left a fowarding address. After this item was disputed and Removed from XXXX I noticed it was immediately put on to XXXX I called bull city financial. They were Extremely rude to me. I tried to explain to them that I had service disconnected and my final bill was in fact paid and that I did not owe this money. And could they please send something to me? Such as a verification letter, a summary of charges, something showing how this Amount came to be. They did send a validation out 30 days later. But that is absolutely not what I requested. And it didn't have any of the information on it That I ask them to provide. I also contacted XXXX 
By phone as well as disputing this on the app several times with no success. I then proceed to call XXXX XXXX. The original creditor they transferred me to 4 different departments. And no one could help me. They stated that after 2 years, their systems were wiped clean. And they had no information on this account that could help me. So again, I reach out to bull city financial. 
Several times with no success. Then I started emailing the help desk over At bull city financial several times they only responded once. Via email and stated that they sent me a validation letter. I then responded back to them by saying that that is not what I'm requesting and ask them if they could Please send me proof of these charges. 
I haven't heard anything back so I sent another email asking the same thing. Several days has went by and still nothing. So now I feel that I'm being ignored. 
The resolution that I'm seeking is if bull city, financial or XXXX XXXX can not provide the information that I'm requesting. And prove these charges to me that they say I owe As well as proved to me That service was in fact disconnected on the date that was set up when I made the original phone call. I know for a fact, my balance was paid and full before I left The state of Florida. I would like to see it removed from my XXXX  Credit report and be prohibited from being put on my XXXX credit report and for that matter. Any of the three credit Reporting bureaus. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am submitting this complaint against Mercedez Benz Financial Services, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mecedez Benz. In XX/XX/XXXX during the covid XXXX pandemic, my vechle was stolen and it took XXXX months to recover the vechle and the damanages. Due to covid-19 Mercedes-Benz financial services agreed to defer my payments for 5 months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. I have been trying to remove this debt with all three credit brueas for months for this unaccurate information that Mercedes-Benz Financial Services is claiming. I submited documentation when submitting the disputes, which is a offical balance letter with zero balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have reported this as identity report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I submitted proof to Jacob Law Group that I paid the full amount owed, but they continued to badger me. After I communicated that I wanted no further communication with them as I no longer owed them any money, they turned me over to XXXX XXXX XXXX. I contacted XXXX and provided Money Order numbers and check numbers along with copy of the bill showing debt amount. XXXX continues to try to collect after I've paid. They have this on my credit report as delinquent! Something needs to be done about these companies underhanded tactics, especially against senior citizens. 
I submitted all communication and documents to the Attorney General of Mississippi and they recommended I contact you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

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