vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

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 2022-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$18000.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX/ {$2900.00} / XX/XX/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 2022-04-28 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Creditor name Credit collection services violated my rights and unlawfully has reported to all three of the credit bureaus. How they violated my rights and unlawfully reported to my credit report because they haven't notified me of any debt so I may dispute the debt in which the debt comes to find out isn't mine. I haven't received any letter, email nor call from either them or liberty mutual in the debt amount they are trying to pursue. It has been known, I have been a victim of fraud which resorted to subject towards a credit freeze recently because someone is using my social security number to apply for various of things without my knowledge or permission. I am seeking to request due to the circumstances this collection to wipe off my credit report due to the violation rights and fraudulent activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I recently opened an account with Chase. I was referred to them by a friend.I'am highly disappointed, with lack of customer service i received this morning. One of the managers thought it was ok to hang up on me. While i was trying to regain access to my online account so i could link it with XXXX. Acoording to Chase they can't verify my account with my phone number or email until i have been a customer for at least 30 days. I have never heard of this with any other institution.This has been a major inconvience. I was directed to go into a local branch. However I'm out of town. I'm dismayed that the managers answer was tto hang up on me. Chase greatly lacking customer service over the phone. I have an amazing time opening my account in person. This is not a great start.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This complaint is in reference to my previous complaint XXXX. I did enter the correct password so I shouldn't have needed the PIN.

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 2022-04-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX  Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 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 2022-04-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

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 2022-04-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : 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 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 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 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have been getting calls for a person XXXX XXXX for 1 month. The collector asked me for my social security number. The phone number they call from is XXXX. I was told last week they wouldnt call me anymore since I have no debt with them. I got another call this morning.

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 2022-04-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have raised a dispute over a {$400.00} refund I was supposed to receive, but have not. 

Multiple times so far, the dispute had been denied and it had turned out they werent even looking at any documentation I provided. Each time the dispute is denied, I have since sent over very detailed documents describing the exact situation and why I am expecting a refund. 

They have now denied my dispute again because the merchant has already sent over a credit because I already received {$400.00} from the merchant around the same time of the dispute. However, as my documents show, I am expecting 2 separate refunds for {$400.00} each and I clearly only have one refund in my account.

This dispute has been going on for over 6 months and I have not been able to speak to anyone at the bank who actually was a part of this particular dispute investigation- forcing me to re-explain everything from the beginning each time I contact in, and provide the same documents over and over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 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 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 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/2022, my bank text me a fraudulent asking if I had made a purchase from XXXX in the amount of {$530.00}. I immediately responded that the charge was not mine. I then called XXXX. XXXX quickly shut my account down. I called my bank who told me the charge was pending and I would need to go in to a branch to do the paperwork. On Monday the XXXX I went into the bank to submit my claim. My bank put the {$530.00} back into my account pending their investigation. On XX/XX/2022 my bank took the {$530.00} back out of my account stating the dispute has been investigated and they have found the purchase to be made as correct. I have a letter from XXXX stating the charge is not legitimate. I went back into my bank on XX/XX/XXXX to show them the letters I have. The bank then told me the investigation was over and there was nothing further they would do. We had them call the fraud department who also said there is nothing further that they will do. I do not feel they properly investigated the charge. My bank is who notified me of the charge and I immediately responded that I did not make the charge. I strongly feel at that moment the charge should have not been allowed to go through. Where it stands now, XXXX can see on their end that the money was returned to me by my bank and that the case is closed. XXXX can not see that my bank then took the money back out of my account so now it is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$5700.00} / XX/XX/2022 XXXX XXXX XXXX/ {$18000.00} / XX/XX/2022

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$7800.00} / XX/XX/XXXX XXXX  XXXX / {$5700.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$18000.00} / XX/XX/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 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I've reached out to ATG Credit LLC, several times regarding accounts that they're reporting on my credit report and I can't seem to get this resolved. All proof is attached below : This isn't my debt, when I reached out to them on XX/XX/22 ( CFPB Compliant XXXX ), XX/XX/22 and XX/XX/22 ( Via Mail ) still never received the debt validation, only XXXX bills. That's not a debt validation. 

Then on XX/XX/22 they stated that they ask for removal until validation. You'll find that my credit report is now reporting 2 debts by this company. As I've attached both mailing slips of me reaching out to this company directly. I have my paper trail. 


I want my XXXX form that I signed confirming this is my debt. My XXXX right has been violated. I want this collection removed right away. 

If this debt isn't removed from my credit report immediately, I will file a lawsuit. As I've given you 2 months to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NM

Complaint narrative:
On XX/XX/XXXX I used WorldRemit ( WR ) Services to transfer to my mom in XXXX {$100.00} of which WR charged me {$2.00} ; The total of {$100.00} was immediately debited from my account through the WR app. On the same day WR notified me that the transaction was pending because the recipient had reached the limit allowed. This transaction remained pending for a couple of days and, on XX/XX/XXXX I requested a cancellation of the transaction ( case # XXXX ) ; I received an email from WR confirming my request to cancel the transaction and that I would be refunded withing 7 working days. On XX/XX/XXXX I emailed WR to follow up on the status of my Refund and I received no response. On XX/XX/XXXX I emailed WR again to follow up on the status of the refund of which they send me a copy of the refund letter. I raised a complaint with my bank ( XXXX XXXX XXXXXXXX ) and told them that I was looking for a refund of {$100.00} ; they could not find it however they did a temporary credit of {$100.00} ( XX/XX/XXXX ) while they were investigating/searching for the credit. On XX/XX/XXXX the bank returned to me to advise that they could not find the credit from WR and they reversed the transaction. I then notified WR that the bank could not locate the credit ; WR asked me contact XXXX pay, XXXX cash to XXXX  for this refund which I did. I emailed WR a copy of the letter from bank advising that there was no credit and I also sent WR a copy of my bank statement to show them that there has been no refund to my account. WR then asked me to contact the bank to obtain a signed letter ; I asked for a signed letter from WR to prove that they credited the money and I never received a signed letter from WR but they expect me to get a signed letter from the bank. On XX/XX/XXXX WR has asked to contact the bank to explain to them about XXXX transaction. I emailed WR to explain that it is not my responsibility to tell the bank how to do their job. 
After several emails and phone calls to WorldRemit, as at today XX/XX/XXXX I have not been refunded of my {$100.00} from WorldRemit. I am disgusted, mad, frustrated, upset and I am recurring to you to see if I can get any help on this case. I am a single mother and {$100.00} is a lot of money on my pocket. Its unfair how I have been treated by WorldRemit in order to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
Account Paid in full by XXXX XXXX Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Im submitting this complaint against PayPal. I am at XXXX  host and was sent {$2400.00} on XX/XX/XXXX to my XXXX PayPal. I tried to have the funds instantly transferred and they needed to verify my identity. I submitted my drivers license along with a scan picture of my face. They then sent a message saying that they were having technical issues. I called they asked me to connect the bank account thats connected to my debit card. I did that. They said it would take 24 hours. Now theyre saying it will take up to 72 hours and they will send me a message to let me know if theyre going to transfer my funds or not. I believe they are illegally holding my funds and Ive called twice and they keep on giving me the runaround.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: WELLS FARGO & COMPANY
State: TX

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

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

15 USC 1666B A creditor May not treat a payment on a credit card account Under an open end consumer credit plan as late for purpose.

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the 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 explanation