vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: IL

Complaint narrative:
On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX  branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 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: GA

Complaint narrative:
The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXXXXXX XXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX XXXX with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.

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 2023-01-06 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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:
Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.

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 2023-01-06 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:
Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.

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 2023-01-06 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: Certified Credit Reporting, Inc.
State: CA

Complaint narrative:
I noticed a hard inquiry for XX/XX/2021 that I dont recall doing. I called the company and got a return call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MI

Complaint narrative:
I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/XXXX second XX/XX/ and third XX/XX/XXXX I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MI

Complaint narrative:
I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/, second XX/XX/ and third XX/XX/. I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
An old navy card I got a few years ago was used not by me. I have even misplaced this card. Charges were made in a different state even that I live in. I disputed and that was reported as accurate info so I owe for the purchases and late fees

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 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: GA

Complaint narrative:
XXXX sold my loan and I was told my loan agreement hadn't changed. In my agreement payments made before the due date were principal only and if you were ahead on payments it would be towards principal. I have made a payment to the new company who said my terms hadn't changed my payment was earlier then the due date and I was ahead on payments yet all my payment went towards interest. I reached out to the company my loan was sold to and I have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and noticed XXXX collections that I do not owe I need them deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX XXXX XX/XX/2023 Collection of {$31.00} Text received XXXX informing me of attempt to collect debt of {$31.00} on behalf of XXXX XXXX. 
I believe I have already paid this bill prior to going to collections and have attempted several calls to the phone number provided on mailed letter and texts received from Credit Collection Services. 

When I have called I've been directly placed in a " hold position '' that states my call should be picked up in X minutes. 

My first call to CCS resulted in my call placed on hold for almost XXXX hours and at XXXX XXXX the call was disconnected. 

XXXX call began at XXXX, wait time to be XXXX minutes, after XXXX hours XXXX minutes the call was disconnected. 

I assume CCS representatives disconnected my call because it was XXXX and they were off work and the call XX/XX/2023 had a longer hold time because I called during the lunch hour of XXXX. But I will never know as they do not want to speak with callers. Awful customer service! 

I know that emails are accepted communication but XXXX XXXX for a living and have more time for phone calls than writing emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I moved in XX/XX/2021 from XXXX to XXXX  and moved my XXXX internet service to my new address. XXXX never informed me that I nneded to return my equipment before moving, and therefore, I kept it to use at my new address in XXXX. I did have a conversation with XXXX about this back in XXXXXXXX XXXX XXXX I do believe so that I would not be charged for the equipment I am still using. I do not have any access to my old XXXX account to contact XXXX about why in the world they would sendd the {$120.00} to XXXX XXXX when they specifically told me that they would not charge me since I am still using the equipment at my new address. Also, XXXX XXXX has not sent me anything regarding this, and also, they continue to try to contact me even after I have told them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have reached out to this phone company and all credit bureau multiple times and even tried disputing this claim off of my credit. This bill was not purchased by me. I never had or have any interest in opening a phone plan with this company. I have contacted the company multiples time and they give me no help. I even given information about me being robbed multiple times and all my information was taken and thats where this problem couldve came from they still dont even allow me to explain myself or even give me any help to get this bill off of my credit that isnt mines

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 2023-01-06 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: CA

Complaint narrative:
I opened 4 claims for 4 transactions of the same merchant, now im opening this claim ( ref XXXX ), because was denied without asking anything or requesting supporting documentation. The other claims the bank requested a document signed by me and also the receipt showing that the merchant must sent the items to my address. 

Attached goes the invoice from the store showing they must sent the purchase. 
the transaction was made face to face in store but they didnt have on stock like many stores as XXXX or XXXX they sent the goods to your home. So the reason " was made face to face '' is not a valid reason to close the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MD

Complaint narrative:
I received your mail Equifax, you seem to be confused about my request to have negative items removed from my credit report. you Equifax are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show zero balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! ( v XXXX XXXX. The term XXXX means the XXXX. [ XXXX ] ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX Equifax why are posing as XXXX. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v XXXX XXXX. show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has consistently charged overdraft fees on items that they pay when there is insufficient funds in the account to cover the item that was submitted. I have repeatedly asked Wells Fargo to stop paying items when there isnt sufficient funds to cover the item. This time Wells Fargo paid 6 items that were presented as automatic payments, overdrew the account and then charged me {$35.00} overdraft fees 6 times. If this isnt abusive practices I dont know what is. These overdrafts occurred on XX/XX/XXXX through XX/XX/.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 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:
Equifax illegitimately assumed the role of reporting information about me. I've reach out to Equifax ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone and USPS Certified Mail ( Tracking # s : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Equifax purposefully continued to commit fraud. Equifax unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Equifax committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Equifax also willing directly violated the XXXX Finance Code, Chapter XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Equifax admitted to my claims by attempting to redress this matter with monetary compensation of {$5.00} ( XXXX XXXX XXXX XXXX  cents Via Check # XXXX ) which is insufficient in comparison to the damages they've caused. Due to Equifax lawlessness I've suffered severe financial injury and grave mental turmoil. I've been denied extensions of my own credit in excess of well over {$100000.00} ( XXXX XXXX XXXX Dollars ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Global Lending Services LLC
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account GLOBAL LENDING SERVICES, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 USC 1666B : A creditor may not treat a 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 2023-01-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc.
State: TN

Complaint narrative:
On XX/XX/2021 Paramount Capital Group voluntarily sent me an email closing my loan ( XXXX ) with them. I did contact Paramount Capital Group via email making sure this account was closed, it was closed and from the reply I received from Paramount Capital Group. XXXX days later on XX/XX/2021 Paramount Capital Group reopened this loan under a new loan number with all XXXX credit reporting agencies claiming that I'm late paying on my loan. I pulled from all XXXX credit agencies. XXXX has a balance of {$1300.00}, XXXX has a balance of {$1200.00}, and XXXX has a balance of {$1200.00} with XXXX late payments. I feel this company is not being professional in their dealings with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.

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 2023-01-06 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report

Company response to consumer: Closed with explanation