vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Statement closing date XX/XX/2022 my Personal computer did not match the credit card account summary truist sent in the mail. Account activity does not match, account number does match and transactions do not match. I printed account activity from my credit card statements and compared them to the account activity that truist sent me in the mail, account activity does match the dates. The issue goes all the way up to XX/XX/2022.

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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/22 our bank ( XXXX ) wired {$27000.00} twice in error ( should have been done once ) to JP Morgan Chase to cover our payroll ( we have assisted payroll through XXXX ). The error was brought up immediately to XXXX who told us we had to go through XXXX to retrieve our money back. I have contacted XXXX multiple times, mostly by phone. I have emailed them documents as proof. Since XXXX has a relationship with JP Morgan Chase, they have been in contact with them. The first excuse as to why we don't have our money back was because JP Morgan Chase tried wiring it to us but it got bounced back to them. The second excuse was they had put a check in the mail ( in XXXX ). The third excuse was they had to hold it for a 12 week concession ( dated XX/XX/22 ) which would mean XX/XX/22 was the end of 12 weeks. The fourth excuse was a bank change form had to be filled out ( was already done and sent to them in XXXX ). It's been 4 months and there is no reason why we haven't received our money back. We are a small non-profit business ( private school ) and we really need these funds returned to us. JP Morgan Chase admits they have our money, but for some reason won't return it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN CREDIT REPORTING COMPANY... 
XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # 1887 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 out my written instructions. 

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer report containing any of the following items of information, Any other adverse item information, other than records of conviction crimes which antedates the report by more 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX IS REPOTING LATE FOR THE MONTH OF XXXX MY DUE DATE IS THE XXXX OF EVERY MONTH. IVE MADE 5 PAYMENTS SINCE XX/XX/XXXX TO XX/XX/XXXX OF {$150.00}, {$20.00}, {$390.00}, {$190.00} AND {$190.00}. I WANT MY ACCOUNT BE UPDATED TO CURRENT

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 2022-12-12 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 — Was not notified of investigation status or results
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC
State: TN

Complaint narrative:
I signed up as a client of United Funding Logistics and had my first meeting to review my credit report. I scheduled a 2nd meeting to continue the conversation and the appointment was rescheduled by UFL and later cancelled all together. About a week later, I received a message stating they had created " letters '' to be sent to the credit bureau. 

I have tried multiple times to get in contact with customer service as well as the XXXX XXXX XXXX with no success and no return calls, email, or messages in the client portal. 

UFL charged me {$170.00} for the services that were supposed to be a lifetime of protection, but they make it impossible to contact them. I have requested a refund, sent messages that I rescind any authorization I have previously given them to review or send messages on my behalf. To date, I have not received any communication that was true and accurate, and they have not issued me a refund.

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

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX charged off my personal loan on my credit report after I spoke with their legal department a few months prior about my financial hardships and the legal department stated that I had until XX/XX/XXXX to make a payment of XXXX dollars.

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 2022-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from XXXX XXXX XXXX of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. 
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. 
I am XXXX yrs old and purchased a home XXXX. 
Mary Jane Elliott P.C.firm. sent me a pretrial form Over a XXXX XXXX XXXX again debt of XXXXVerified Closed. 
Mary Jane Elliot P.C. firm sent me-Manipulated XXXX XXXX statements from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. 
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. 
Mary Jane Elliot, Attorney P.C. collections for XXXX XXXX XXXX closed debts. 

This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to XXXX XXXX XXXX. 
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because Mary Jane Elliot says I owe this debt. 
I produced a collection form from XXXXXXXX XXXX  for XXXX XXXX from XXXX my credit reports whoing the account closed written off in XXXX XXXX XXXX XXXX removed themselves from XXXX  reporting agencys there is no debt owed to them or the original debt holder. 
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXXXXXX XXXX XXXXXXXX Mary Jane Elliot continues after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. 

And I do not owe XXXXI should not have to pay anything.They should pay me for Harrassment. 

These created and manipulated billing statements from XXXX advantage Credit; Had my name and address correct. 
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. 
These deb collectors should be charged for false documentation to collect a debt not owed. 
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi I working with a credit repair company XXXX  keeps telling me this is a debt I own is in the past 7 years. Well this debt is over 9 years old. And now they up dated to 10 something 22. So they can keep it another 7 years. This debt is over 9 year or even 10. This needs come off already. I shouldn't have to pay for this all my life. Because they want to try to keep on my credit report forever you got 7 seven years to try to collect. It past it date on it. I know when it happened. XXXX. We in XXXX in a few days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On or about XXXX XX/XX/XXXX, I received through mail a letter from Resurgent Capital Services on behalf of LVNV Funding LLC dated XXXX XX/XX/XXXX. The letter stated that they were attempted to collect a debt I originally owed XXXX XXXX XXXX XXXX. I sent a debt validation letter back to Resurgent Capital Services on XXXX XX/XX/XXXX. I never received a response but on XXXX XX/XX/XXXX, I received an email alert from XXXX notifying me that LVNV Funding reported the account as a collection. They never responded to my debt validation request and in their letter to me dated XXXX XX/XX/XXXX, they listed how to dispute and also gave me a suspense date of XXXX XX/XX/XXXX. They didn't give me 30 days to dispute per law although I responded immediately but they also ignored their own suspense because the collection was reporting at least 3-4 days prior to their suspense of XXXX XXXX. This company clearly disregards consumer laws as well as their own internal rules. I deny owing Resurgent Capital Services/LVNV Funding LLC and I also reported the original debt that I had with XXXX XXXX XXXX XXXX as gross income on my XXXX tax return per IRS guidance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I disputed a report in XXXX XXXX  that XXXX, XXXX, and XXXX said that we had 2 accounts with Bank of America and that one of them had an overdue balance amount of {$6800.00} dollars. I received a letter from XXXX that said that they had " verified that this item belongs to you. '' Both of these accounts have been " closed by credit grantor ''. 
I have never had a credit card with Bank of America. I did try to contact Bank of America Fraud Department but their automated system wants your account number to get started. Since I don't have an account I can not give them a number. I also called the number for Bank of America in XXXX XXXX, Texas that XXXX provided in their report on XX/XX/XXXX and I get the same automated system that wants an account number to get started. 
I keep getting phone calls from Bank of America saying I need to pay them. 
This experience has greatly lowered 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 explanation
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION CREDIT REPORT. XXXX XXXX XXXX  ( FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX   XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX,MI 
XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,WI 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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing a complaint for my protection under Regulation E. I was scammed by an individual that pretended to be a financial advisor for XXXX XXXX XXXX. I was told there were three plans they offered. I chose the beginner plan for {$1000.00} on XX/XX/XXXX. After working with the pretend to be a financial advisor. I was led to the website to invest, where she walked me through buying process. I XXXX  another {$1000.00} on XX/XX/2022. After these transactions, I received an email that my money was tied up with some minors in a different country, and if I wanted to get my money immediately, I had to pay another {$1000.00}. I received several emails from this company. ( Please see attached ). Desperate to get back my money invested ; I send another {$1000.00}. I waited, and I received nothing. I was contacted again by the financial advisor to send another {$1000.00}. I had to sign up with another investment company. This time I became suspicious that I was being scammed. So, I refused to send the money. I now knew for sure that I had been scammed all along. I contacted Citi Bank, where the initial two transfers were for {$1000.00} each. I also asked the financial advisor for a refund since I never received my investment. No response. I also told the bank that I was able to get the IEP address of the fake financial advisor. Even with the information, I was informed that they would not give me a refund. Since all of this, I have suffered severe economic pain. {$2000.00} is a lot to lose for me. I have the XXXX transactions saved and the written response from the bank. I also have an email from the minors in another country asking me to send more money before my funds are released. I understand this incident happened several months ago. However, I know many people have received a refund for XXXX transfers regarding a Scam. However, I was not one of those lucky individuals. 
Bank Information : Citibank  XXXX XXXX : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX 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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received an email from Experian to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXXXXXX XXXX and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost 58 points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.

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

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX I sent a letter to reinvestigate some incorrect items on my credit report. That letter was delivered by USPS by certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX. It has been past 45 days and no response to verify this item which is XXXX, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am attaching a copy of that letter and I sent a second letter on XXXX under tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX to notify Equifax that 45 days have past and to delete this item from my credit report and they have not, which is a violation of 15 U.S.Code section 1681i- Procedure in case of disputed accuracy. 

I also sent a letter to Equifax to reinvestigate two items on credit report which is XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX It has been over 45 days and still no response and this is a violation of 15 U.S. Code section 1681i- Procedure in case of disputed accuracy. 

This is hurting my chance of getting a house and is not acceptable I also sent them my state ID and proof of residence.

Company response to consumer: Closed with explanation