vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called Jefferson Capital Systems , LLC I tried to contact this Jefferson capital to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
Hi! We were approved for HAF with payments to start XX/XX/XXXX. They have made two payments to Ameris Bank XXXX # XXXX. Ameris states they did not receive any payments from HAF. HAF  states there was two payments sent with the first on XX/XX/XXXX and another on XX/XX/XXXX. I have spoken multiple times with HAF to no avail. Ameris continues to say they haven't received it. In the meantime, our mortgage was transferred to Truist effective XX/XX/XXXX which I have notified them of multiple times and even called to verify they had the correct information. What recourse do I have as I am stuck in the middle of this mess? HAF states they have sent proof of payment to Ameris Bank. 

To make a long story short, we are missing two  payments that Ameris has received that should be forwarded to XXXX Bank XXXX # XXXX. 

I would greatly appreciate any help you can provide. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-27 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-12-27 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-12-27 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Saturday morning, XX/XX/2022, my car was broken into and my PayPal debit card was stolen and used fraudulently at several locations, including XXXX 's twice and the XXXX XXXX three times, for a total of {$6800.00}. As soon as I realized my card had been stolen, I promptly locked it, reported it stolen, and filed a police report. I also have surveillance footage of the break-in. 

In response to the fraudulent charges, I opened XXXX cases with PayPal. XXXX of these cases were closed in my favor, but XXXX  were closed not in my favor, even though the charges were made within a few minutes of each other at the same store. For example, the XXXX charges made at XXXX 's were made just a minute apart, with XXXX charge for {$2100.00} being refunded and the other charge for {$960.00} not being refunded. 

On Friday, XX/XX/XXXX, I called PayPal customer service and after being transferred multiple times, I spoke with someone who promised to reopen the XXXX cases that were closed not in my favor. However, as of today, XX/XX/XXXX, this has not been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Due to the change in the New York Statute of Limitations bill signed by XXXX. XXXX XXXX into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I paid off my balance in XX/XX/XXXX. In XXXX the company added on a {$2.00} fee to my account without my knowledge and didnt send me a bill for this fee instead they added late fees each month and showed my account as missed payments from XXXX - XXXX XXXX have not used this card since XX/XX/XXXX and was under the impression my account was at a {$0.00} balance. I called they agreed to waive the fees and show my account as current and never missed a payment. But now I check my credit report and they are reporting {$99.00} balance and late payments. I called back and they told me it was nothing they could do to show my payments was never missed. They falsely report my payments as late from XXXX to now. They said they balance would reflect as {$0.00} until XX/XX/XXXX 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
From XXXX until XXXX Wells Fargo miss handled my mortgage. They lied, cheated and misused my money. Wells Fargo forced me to file bankruptcy to stop the foreclosure process on our home. Agreed to fix problems they caused but never did. Cheated me out of thousands of dollars and added tens of thousands of dollars to my mortgage balance when they said they were helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: NY

Complaint narrative:
2 XXXX XXXX XXXX XXXX XXXX are being reported on my XXXX Credit Report, we are a victim of identity theft.

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 2022-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
2 XXXX XXXX XXXX XXXX XXXX are being reported on my XXXX Credit Report, we are a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
2 XXXX XXXX XXXX XXXX XXXX  are being reported on my Experian Credit Report, we are a victim of identity theft.

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 2022-12-27 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 XXXX XXXX ( original XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXXccount XXXX, XXXX XXXX ( original XXXX Capital XXXX XXXX A account # XXXX, XXXX XXXXt # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an 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 2022-12-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX ( original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Michigan Mutual, Inc.
State: PA

Complaint narrative:
please refer to complaint # XXXX for more details. 


The mortgage company held a key document for my assistance request. only answered and produced the required document when answering to a complaint here and also only after the rejected the request for assistance because they did not produced the required document. 

this is unethical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citibank runs promotional offers where you open an account and gets up to {$2000.00} bonus after terms were met. I opened an account using their promotional offer page on XX/XX/XXXX and deposited {$32000.00} to earn {$500.00} bonus. According to the terms of the offer, I had 20 days to deposit fund and 60 days to maintain the fund. Then after within 30 days, I receive the bonus in my account. I met all conditions by XX/XX/XXXX and I still dont have my bonus. It should have been deposited the latest by XX/XX/XXXX per the terms. I called Citibank customer service on XXXX XXXX since I didnt see {$500.00} bonus hit my account. The agent I talked to confirmed I met all conditions and should have the bonus deposited by then. He created an investigation ticket and told me to wait 5 business days. I didnt of course receive my bonus after 5 business days. So I called for follow up and other agent looked into it and told me it could take 7 business days and to wait. Of course I didnt get the bonus after 7 business days either. I called for follow up again and talked to supervisor. Again, no updates other than its processing and could take 10 business days. I have followed up 7 times and other than different answers on how long investigation takes, no help at all. 

Its been 3 weeks since I originally contacted Citibank about the promotional bonus that was already overdue at the time and still they have no answer. I have spent at least 7 hours on calls talking to different agents in the past 3 weeks and no help from anyone other than just it is in progress. I lost opportunity to invest the money I had deposited with Citibank because of them not meeting the terms. I finally took out my money on XX/XX/XXXX after confirming with agent that the bonus wont be impacted since I had already met all the conditions. 

I suspect this is a system bug and has happened to many customers of Citibank. Unfortunately bank isnt addressing the issue in timely manner and causing financial distress for the customers. Their customer service is in XXXX  and does not understand criticality of the issue or have any power to make decisions. Citibank does not have anyone I can talk to here in the US for this issue either. 

It has been so frustrating and time consuming. I think Citibank needs to be investigated for bad business practice like this where they run promotional offers but not follow through. 

I am attaching similar offer with this complaint Citibank is running right now too. Mine was exactly like this.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, this is regarding a prepaid reward card that I got from submitting a rebate for purchasing XXXX XXXX cookware set from Kohls. The card has {$40.00} and it expired on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have an issue I wont to update my address and phone number to receive my settlement check XXXX XXXX XXXX XXXX XXXX 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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My car was broken into and my wallet was stolen a week ago. Inside was my license, debit card and all of my credit cards. I locked all of my cards immediately. The next day, there were 2 fraudulent withdrawals on my Chase bank account at 2 different locations in the amount of XXXX. I immediately called the bank to let them know. I've spoken to the bank on the phone and in person several times since then but they haven't resolved the issue. My account is frozen, I have no access to any of my money and they haven't given me back what was stolen. I've made 3 police reports. 1 for the car break in, and 2 for the fraudulent withdrawals at both banks where the money was stolen. I have automatic payments and rent due in a matter of days and need access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: AR

Complaint narrative:
I recieved a debt collection letter from First Credit Services , inc . Listed the Creditor as XXXX XXXX XXXX XXXX XXXX. The balance listed {$640.00} XXXX XXXX XXXX. 
This letter is the first and only time I've heard anything of this account. I've never applied for this account never paid on this account ; I've never heard anything about this account. This debt is not mine and I'm not paying for it. I spoke with XXXX at the credit services and fully explained this is not my account nor my debt and that I would be filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
Dear Sir or Madam, I was shocked to discover that my Credit Reports were damaged by AARGON COLLECTION AGENCY located in XXXX XXXX XXXX  on XX/XX/XXXX for {$9700.00} balance for emergency XXXX XXXX  visit in XXXX on XX/XX/XXXX despite I am insured by XXXX. 
I immediately contacted the Collection Agency informing them that I was insured and they must discuss with XXXX XXXX and XXXX to settle the debt, however, they declined. I next contacted the XXXX XXXX asking to settle the debt and contact the XXXX, they declined. 
My credit history is brutally damaged and no way to fix it because both : Collection Agency and XXXX XXXX did not lift a finger to correct the mistake. 
In addition, the XX/XX/XXXX emergency visit was covered by the XXXX XXXX Founds and the Agency could send the unpaid medical bill to that Fund. 
Please investigate the Agency 's actions and ask them to immediately pullout the negative collection note posted on my credit report. Thank you!

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 2022-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
The lease term for the XXXX BMW was for 36 months. 
The monthly payment was {$1000.00}, equaling {$36000.00} for the full lease term. 

The {$51000.00} balance as of the recovery rate on the document is incorrect. Being a LEASE and not a financed vehicle, I am not responsible for the full balance of the cost of the vehicle. I am only responsible for the 36-month lease. 
Of the 36-month lease, I paid - {$13000.00} not including the trade-in of the XXXX BMW valuing {$8700.00} XXXX 

The total amount I paid into the Lease was - {$21000.00}. 
The full lease term was {$36000.00} {$36000.00} - {$21000.00} equals = - ( XXXX XXXX. 
_____________________________________________________________________ The Action recovery amount BMW received for the vehicle was {$33000.00}. 
Plus {$21000.00} I paid into the lease Not to mention the {$19000.00} in fraudulent deficiency balances. 
The attempted recovery of this vehicle is over {$74000.00}. 
MORE THAN THE ACTUAL COST OF THE VEHICLE {$51000.00}.

Company response to consumer: Closed with explanation