vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: IL

Complaint narrative:
I started working at XXXX department store located at XXXX XXXX XXXX XXXX, IL XXXX operated by XXXX XXXX. I started work with them XX/XX/2021 and because I was only XXXX I opted to use the Wisely ADP payroll card. They initially sent the prepaid card to the wrong address. After multiple calls from the XXXX XXXX, XXXX HR and also me we were able to update and fix the address. At this point 4 weeks of paychecks had been deposited into my account and I was owed {$470.00}. Every single card they would send to me, once activated was showing {$0.00} and it seemed not to be connected to the XXXX account. My mother spoke with the customer service numerous times and they would repeat the same verbiage and we could never get any help. Also, the Store Manager of the XXXX store along with HR for XXXX have tried multiple times to get this resolved. It has now been a year and I have yet to receive my funds and when I've contacted XXXX they just put it on Wisely ADP. The store managers name is XXXX XXXX. I would like to be made right for this money owed as I did work the hours. XXXX can confirm that I worked all hours and I am still owed {$470.00}. Please help me resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: WI

Complaint narrative:
Today was my last phone call attempt to resolve this with TransUnion before filing complaint. Once again, I was lied to with FCRA guidelines blatantly being disregarded and ignored. 
For the past twelve months I have tried and been unsuccessful in attempting to have TransUnion comply with FCRA guidelines, section 609. I have sent letters and faxes that have gone unanswered and have been ignored. When I call I am fraudulently told that Inquiries can not be disputed and that they are factual. Per FCRA 609 this is a lie. I am also told to file FTC report and only then will the inquiries be removed. I have filed FTC report and mailed to TransUnion via certified mail. TransUnion has placed fraud alert on my report but has refused to remove the inquiries and claim they have not received FTC report despite them being mailed certified mail. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no permissable purpose with no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. TransUnion blatantly ignores the FCRA guidelines and is blatantly violating FCRA and my consumer rights. Furthermore, I have contacted the businesses in question ; I am told they were never contacted by TransUnion, I am told they can't find an application or authorized signature from me and they tell me to contact TransUnion. Then TransUnion gives me complete runaround. For TransUnion to lie and say inquiries can not be disputed, to claim they have not received FTC report but to place fraud alert on my report is blatant indication that they have no regard for the law or consumer rights. Per FCRA, I am allowed to sue for monetary compensation should I pursue legal action. I demand that TransUnion comply and remove the unauthorized and inaccurate inquiries on my credit report.

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 2022-08-12 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Someone used my card at XXXX XXXX for a pick up purchase. I disputed this with Goldman Sachs and they resolved the case in the favor of XXXX XXXX. I requested the evidence XXXX XXXX submit it to support that I made the transaction, and they sent me paperwork suggesting that XXXX XXXX had taken a copy of my ID, but never supplied me with the copy of my ID. I contacted Goldman Sachs regarding this on two separate occasions at both times they reasserted the dispute but then decided again that XXXX XXXX was right. XXXX XXXX has yet to supply the actual proof that I completed this transaction, they only state that they have the proof. Goldman Sachs has not required them to submit the proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get XXXX XXXX to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call open sky and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. 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 non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
This is a follow up complaint response to your recent claim # XXXX. I received your attempt to validate the debt that you are erroneously reporting about me. However, it does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? It shows nothing but my name, address, and a dollar amount. But I do not see my signature here or any of the other items requested from you. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything? 

You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good faith attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX  and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXX - Ally Financial - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Consumer Portfolio Services - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
An unauthorized transaction was on my checking account on XX/XX/XXXX via XXXX in the amount of {$2000.00} to XXXX. I called both my bank ( Chase ) and XXXX to dispute, with both entities stating they had enough information to investigate. 

On XX/XX/XXXX, I received details from Chase that the dispute was denied and I would be liable for the full amount from the information that they received from XXXX and that I would have to contact XXXX ( even though I already did ) and resolve through them. 

I contacted XXXX and they advised I would need to contact Chase in order to resolve. 

Chase did provide tracking information for the " purchase ''. I contacted XXXX who verbally acknowledged the delivery was to XXXX XXXX XXXX, XXXX XXXX ( which is not my address ). And the package was signed for by " XXXX ''. There is a signature on file, but I was told by Chase that they did not have to verify that the signature matched due to Covid19. 

Chase advised they can send me the documents they received from XXXX that was used to decline the claim but would take up to 10 business days, in the meantime, they would subtract the {$2000.00} from my account in 7 days unless I had proof to re-open the claim. But how can I review the documents and submit a claim if I may not get them until after they pull funds from my account? 

I have filed a police report and credit disputes with the three major credit agencies to assist in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX provided an inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my XXXX XXXX. I am enclosing their submitted validation document which is incomplete and in 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 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MD

Complaint narrative:
I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to XXXX " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. 
My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. 
XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guaranntor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act 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 that a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX Account # XXXX or XXXX Type Collection Agency/Attorney Balance {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$950.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Type Collection Agency/Attorney Balance {$260.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXPhone : ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN37950Phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$150.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXXXXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX # XXXX XXXX $ XXXXXXXX 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

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dated on XX/XX/2022 CFPB complaint ID XXXX TransUnion LLC stated on your credit file. Below includes the results of that investigation. XXXX XXXXVERIFIED AS REPORTED AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX XXXX Consumer, Have made several attempts to remind TransUnion LLC as a Consumer Reporting Agency duty pursuant 15 US Code 1681. It appears TransUnion LLC are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law.

I am making this CFPB complaint as another attempt to have these errors corrected on my Consumer Report. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. You can see in your system that this account XXXX XXXX # XXXX was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. I AM DEMANDING DELETION OF THE MENTIONED ABOVE ACCOUNT Expeditiously with PREJUDICE! TransUnion LLC known for violating FCRA 1681e ( b ) SEE TransUnion LLC v. Ramirez

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 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
- Unable to register the car due to Auto Lien is not being provided by TRUIST - Car Loan was fully paid on XX/XX/XXXX - As per TRUIST, they have released the Auto Lien to XXXX on XX/XX/XXXX - There is no TRACKING NUMBER or PROOF that it was really mailed. 
- I have called Truist multiple times and they have provided different answers every time - XX/XX/XXXX - First, the agent said 2-3 days- Second, after waiting for three days, called again and the agent said 7 days and they have a backlog- Third, after 7 days, the agent said it was already mailed and I should check my mail box- Fourth, after 3 more days, called again and the agent said that its still in-progress and that we just need to call again in 2 days.

- Fifth, called again after 2 days and they again said that they have already mailed the LIEN on XX/XX/XXXX and that wait again for few days - Sixth, called again and said that we need to call or go to the XXXX and asked them if they have received the copy of the LIEN/TITLE - Seventh, after one day, was able to get in touch with XXXX and they informed us that they have not received anything from Truist Bank about my LIEN - Eight, after one day, went to XXXX personally to verify but they also said that they have not received anything from Truist. So called the agent again to ask for Tracking Number for the mail but they said there is really none and that we just have to wait. 

All I want is the LIEN so that I can register the car because it will be affecting my family day-to-day activities. And since it's fully paid, I believe I have the right to get the title or lien.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
TO : Equifax I am writing to dispute ( XXXX ) items on my credit report. XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX ) is reporting that the account was opened on XX/XX/XXXX. I have enclosed a copy of the card and page 4 from my XXXX XXXX credit report which proves the account was opened on XX/XX/XXXX - - - not XX/XX/XXXX. 
Also according to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that the account was opened on XX/XX/XXXX. My XXXX XXXX credit report indicates that the account was placed for collections by XXXX XXXX on XX/XX/XXXX. I have enclosed page 5 from the XXXX XXXX credit report as proof the XX/XX/XXXX date is an error. I believe this account was opened in XXXX, however the credit report doesnt say. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation