vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) falsely put a late fee on me a month after I moved out and my lease had ended and was paid up and sold the debt to pro collection Inc which caused a delinquent on my credit and me to lose XXXX points damaging my score. Pro collection Inc requested proof in which I sent in as well as the XXXX XXXX because in their words they lost track of all information when the property manager resigned.i have sent in proof that I moved out a week early and turned in keys I've sent proof of my new lease start date light bills last rent payment receipt for XXXX XXXX and so on both companies keep assuring me that they are going to fix it yet Pro collections keeps leaving voice mails on my phone from the number provided even though it's not the company number. Pro collection number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account 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 602 A section 2 : it also states a consumer reporting 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 2023-04-22 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX Was scammed cash app refuse to refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on including adding unauthorized charges and taking away point from my credit score on an closed account.The credit bureaus have no respect for the laws. Someone needs to hold them accountable for 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 2023-04-22 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I have attempted to have this account updated with XXXX, but they are still incorrectly reporting this loan. Although I filed for bankruptcy in XXXX, this auto loan was paid in full instead of being excused in that filing and I own the title for that vehicle free and clear from Chase as of XX/XX/XXXX. 
JPMCB AUTO Account number XXXX I have attached my title and lien release for that vehicle from chase when it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
From XX/XX/XXXX all the way for about a year funds was being with drawn from my Chime account and they don't understand that I was XXXX  multiple times and in the XXXX. I didn't not authorize anyone to use and of my Chime funds. They will not truly investigate. None came from me nor did I have a card to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PLS GROUP, INC
State: CA

Complaint narrative:
I've been in contact with PLS check cashing bank since XX/XX/ the first month I received a refund on my month of XXXX statement called in to ask questions on exactly how what steps I need to take to receive my refund in a timely manner. Upon being told that it would take seven days to appear on my balance I continued to decide to use the prepaid card not thinking I would be told I was going to be receiving my refund to being told I wouldnt be receiving my refund. I kept in contact for more then a year and it's been hard to let go I've been patient I've been persistent and managed to do all the work with the proof and rebuttals dispute for longer then two years now. I'm now being told I didn't fill out paperwork correctly and it's past the amount of time I had to dispute for my refund. Leaving me drained of my money I'm still willing to recover with your help. I'm XXXX and I have never been treated with so much agressiveness and bitter customer service from any company in my life. Just to spend more time giving all my documents in a properly manner and be rejected has took em it's toll on me. I have recordings emails mailed letters in my records. The total amount has even been changed and I still would've taken it instead of getting nothing in return. It's very upsetting that I used the card even after this issue had occured and they kept me on phone for hours hanging up on me after three hours of waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this item a dozen time on my credit report with both XXXX XXXX XXXXXXXX XXXX and all 3 credit bureau in regarding 60 day late payment reporting XXXX I have paid in full and this company reported 60 days when I have contacted them several times in regards to my payment history. I have paid on time. I have not received any response from XXXX or any document of late payment. The credit bureaus did not conduct any investigation the only thing that they would update account with no resolution. This account has aged and it is significantly sitting as a derogatory account it is now 7 years. I would like it to be removed off my credit file. This is damaging my creditworthiness.

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 2023-04-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case XXXX XXXX Experian XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.

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 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Financial Freedom Group, LLC
State: FL

Complaint narrative:
My wife and I signed an agreement with DebtBlue to help us consolidate our debt. We listed 7 accounts, the largest one being a XXXX XXXX XXXXXXXX credit card with an outstanding balance of {$13000.00}. As part of the agreement I make a monthly payment of {$390.00} for a total of 44 payments to an account at XXXX XXXX to pay for the settlements. This amount is based on what DebtBlue would require to settle all 7 accounts. DebtBlue has settled 5 of the 7 accounts listed in our agreement the 5 smallest accounts. 

On XX/XX/XXXX we received a summons from XXXX, so I immediately called to ask for their assistance. I was told to send them the paperwork, which I immediately did, but the company did not respond. I called repeatedly and sent several emails but nobody called me back. With only two days to go before the court hearing I finally sent them an email threatening to cancel the agreement and they replied via email that they had been unable to reach me so they left a voicemail and asked me to call them back to discuss my options. I finally called the lawyer representing XXXX and negotiated a settlement directly with them. I then requested that DebtBlue remove this account from the list and adjust the monthly payment to subtract this amount but their answer was that they would not change the draft amount due to me handling the XXXX account on my own so we can build funds and clear up the remaining accounts. Of course, they asked me to call them for any further questions. 

I am complaining because this company failed to represent me with the largest and most difficult account. They ignored my calls and emails and now expect me to continue paying the same amount even though I have taken responsibility for the largest account. I feel they failed to help me in the most difficult moment and now pretend to continue to take advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX ) XX/XX/XXXX When I claim was filed immediately after I discovered fraud of check {$30000.00} cashed. WF bank forced to close and open new account. XXXX said everything same just transfer fund. Nothing was explained and nothing was signed and given agreements etc. Only account number on piece of paper. 
A week later I received 2 new credit cards. I was not sure why. 
XX/XX/XXXX over a month later I received new account application with my and my son 's personal information probably from old records of XXXX. 
On top of application I WANT OPEN ACCOUNT in large letter.-No I didn't want. 
full SS #, Birthday, address mother 's maiden name and XXXX Driver 's license and in very small letter says I received and agree to their deposit agreement and arbitration clause everything I agree to them. -Nothing was given and never want to agree. 
Cover sheets says if I don't sign they will assume I agreed. -No, I don't agree this.My account was downgraded to XXXX account from XXXX account. Nobody mentioned. 
Later XXXX and manager told me XXXX XXXX did was claim XXXX office opened and closed account and nothing they can do. 
XXXX ) Credit cards close and open and charged me late fee $ XXXXand interest {$5.00} which they made error and took several calls to get waived. I never needed close and open new one. Very inconvenient to me and my son. I had not activated new one. I just closed my business account because I still never received paper statements over 2.5 yrs. XXXX and manager both mistreat me. XXXX told me she never received my emails which I had requested paper statements and appt to meet.I sent several emails and called for message to call me back. Very sad. 
XXXX XXXX ) After I claim XXXX ) on XX/XX/XXXX bank 's rep and manager both treat me very rude. They both try to avoid me and I had to wait almost 45 min to get service last Friday.

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 2023-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal claims to have reviewed customer call ( XX/XX/XXXX ) regarding closing the checking account. On the call the representative presented the option to close both checking and savings which was not the initial request/purpose for the call, or the best option for long term sustainability of the credit card that was attached to the savings account. I initially only inquired about closing the checking account. 
XX/XX/XXXX I received a letter from Navy Federal stating they will cease and desist all future communication and will not move forward with any future action they will wait for correspondence from me for any further actions. 
XX/XX/XXXX Navy Federal is moving to sue me in court in XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case Trans Union XXXX XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.

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 2023-04-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case XXXX XXXX Experian XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.

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 2023-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/2023 I made a online purchase at XXXX it never arrived. I contacted my debit card and disputed it since I never received my items. They denied my claim I asked for the documents that decided this and was sent the transaction information nothing on the investigation on why my claim was denied. I've requested a refund from the online company and have several emails from them. The first saying I needed to pay them {$15.00} more dollars. Others saying they will give me a 40 % refund. The last one was last night saying my order is still on hold and they can offer 70 % refund. I've sent the emails to cash app to prove this is a scam and they are trying to get more from me and to please refund my money. I keep getting denied and don't know why and even hung up on me when I asked to be put thru to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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:
Account XXXX XXXX on my credit report has late payments that are not accurate.

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 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XX/XX/XXXX requests information about a unrecognized debt : On XX/XX/XXXX the information requesting proof of ownership and authorization that they were assigned this debt was not provided. I requested the information for the second time on XX/XX/XXXX by certified mail from : FAIR COLLECTION & OUTSOURCE This unrecognized debt is on all 3 credit bureaus. 
My information has been found on the dark web and I am not sure what happens when it appears on that website. 
The above information has been reported to the credit bureaus.

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 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only 14..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a million of inquaries tht i cant access... thanks for your 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 2023-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
Ok so i closed on my first house XX/XX/23 my monthly payment was XXXX. Two weeks ofter closing i received a email saying they have the wrong tax information for the land i of to pay a extra XXXX dollars a month. So i reach out to loan company ( new American funding ) and i told them i can not afford that. I already settled for what i can afford they said they understand and there going to call me back in 2 to 3 days time no call or email. I still go ahead and make my monthly payment for XXXX now login on there app XX/XX/23 only to see my monthly payment went from XXXX to XXXX. And i can not afford to pay that so now am worrying my house going on foreclosure because of something thats not my fault..i sign and agreed to pay XXXX a month because thats what i can afford and comfortable paying

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation