vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAC Services, Inc.
State: OR

Complaint narrative:
A debt collector is saying he can take away my business license and property over my employees debt. He is calling 2-3 times a day, and only when the employee is not at work. I'm XXXX years old. He says he's sending the sheriff out to close my business down. My employee only gets paid monthly but he is calling everyday. The company is called Commercial Adjustment in XXXX, XXXX. He not only calls the business, but calls my personal cell phone. His harassment calling me on my cell phone almost caused me to have an accident in my car.

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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HW Holding, Inc
State: TX

Complaint narrative:
Somebody opened an apartment lease in my name that I didnt approve. Didnt pay the lease and damaged the apartment with a total of {$33000.00} collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # 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 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  account # XXXX, 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 non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Duvera Billing Services, LLC
State: NC

Complaint narrative:
They illegally used my card for an account that it was not associated with. I told them more than twice to not do that. They continued to do it anyway. I paid my debts, yet they kept sending it back to the bank causing me to be further in debt with the collector. The first time they sent a letter to send to debt collectors they never said it would be in-house collection, and that it would go into effect after 15days. They continued to allow their collection department to use the same card I told them from the beginning to not use. At this point its harassment. From the beginning it was a scam company that I should have done my research before giving them access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were XXXX XXXX XXXXXXXX and Chase. 
The loan company said that I had debt with XXXX XXXX XXXXXXXX of {$18000.00}. And that I had XXXX Chase cards for amounts of {$9400.00} and {$2700.00}. 
I called XXXX XXXX XXXXXXXX and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold XXXX years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : XXXX XXXX XXXXXXXX was listed in the schedules, and they were served with notice of the bankruptcy filing. XXXX XXXX XXXXXXXX did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where XXXX XXXX XXXXXXXX did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with Chase. 
I submitted a complaint to XXXX, and they completed their investigation. However, the XXXX XXXXXXXX XXXX {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call XXXX XXXX XXXXXXXX and Chase and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I have not made any communication with LVNV Funding LLC. However, I have attempted to dispute the trade line listed on my credit report ( XXXX XXXX, XXXX ) multiple times. when disputing the listed trade line, I have given multiple explanations informing LVNV of the error and a resolution that would be in their benefit. 

However, all three credit bureaus have informed me that the reporting is accurate by LVNV Funding LLC in which LVNV Funding LLC states they owe me a balance of {$620.00}. 

I requested a method of verification from the major credit bureaus about my dispute results and the investigation steps taken within the 15-day time limit ( FCRA 611 ). Multiple times I was informed that my request to get information about the investigation was marked as frivolous. Therefore, I am operating on the understanding that LVNV Funding LLC owes me a balance of {$620.00} that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have experienced several incidents where Wells Fargo is charging me for insufficient funds fees when I have a low balance. I have called to complain several times and their policy is that only 1 forgiveness per year. This would be ok if I actually overdrew my account. At this time, I am unable to provide dates besides the last incident which was on XX/XX/2021. I will research my records for other dates.

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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I am XXXX XXXX XXXX. I had accounts with XXXX, all of which were transferred in XX/XX/2022 to Citizens Bank. Citizens doesn't have any branches in the state where I now live. I can't get through by telephone to the numbers listed on the Citizens website. 
I have other accounts with Bank of America. I use the Citizens checking account only to receive my Social Security by direct deposit. 
I made a mistake and overdrafted my checking account by {$29.00} on XX/XX/2022. I learned of this because I receive automatic emails for every transaction. I immediately opened my computer to look at my checking account. I saw that there was a {$12.00} charge to cover the check and that my checking account indicated a negative balance of ( XXXX ). I immediately deposited {$50.00} into my checking account, which then read a positive balance of {$38.00}. However, there is now a balance owing of {$29.00} on the overdraft credit line that the bank set up automatically. 
I went to the overdraft on my computer. There is no way for me to make a payment to clear it. I've gone through agony with this bank. I can't reach anyone by phone. I can't work computers. I've repeatedly called. I am now at a loss as to what to do. The overdraft is accruing a 17 % interest charge. I am also worried that the bank is charging {$12.00} per/day as a surcharge because the " new customer '' instructions indicated that {$12.00} would be accrued daily until an overdraft is cleared. 
It is incredible that I can't reach anyone by phone. The waiting time is over 1 hour. I am a XXXX XXXX XXXX patient and can't take this pressure ( XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Thank you for acknowledging receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online Information Services placed a collection on my credit bureau and the original credit is XXXX XXXX without written consent. I contacted the company and confirmed I have never stayed at the address where the account was created. The amount owed is {$790.00} and I have contacted the company to state I have never stayed at the address owed. They are saying this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: TX

Complaint narrative:
Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. The account has since been returned to the current creditor CKS XXXX XXXX XXXX. We suggest XXXX XXXX contact CKS XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX XXXX XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, XXXX XXXX ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly 6 years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a single mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : Creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation