vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: NY

Complaint narrative:
I have a business checking account at JPMorgan Chase bank, there is an unauthorized cash withdrawal that happened on XX/XX/2022, the perpetrator withdraw {$5000.00} cash from my business checking account.Already Notify the locate chase brand ( XXXX XXXX XXXX, XXXX, NY XXXX ) regarding this matter. Based on the withdrawal slip Image I download from my Chase Moblie APP, it wasn't my signature on the withdrawal slip, and I have my ID, and Business Debt card with me all the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX -reported late payments during COVID Discover - Late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
DEBT COLLECTORS ARE HARRASSING ME OVER AN ACCOUNT I DONT KNOW HISTORY OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX- Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX  # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . 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 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I received a letter from Lendmark giving me an offer of {$3100.00}. I called towards the end of XXXX spoke to the manager XXXX XXXX. She offered me options but did not want the letter offer code. She later said I did not qualify but they would honor any letter that Lendmark sent to me. This particular letter had an expiration date that passed so they could not honor it. XXXX XXXX told me that if they send me another letter in the future that they would honor it. 

I did receive another letter from Lendmark giving me an offer of {$2900.00}. I called the local office on XX/XX/XXXX. is spoke to the manager but she did not want to honor the promo code. On XX/XX/XXXX, I put the offer code on their website ( lendmarkfinancial.com/personaloffer ). After doing so the website result stated that the promo code expired. It is not supposed to expire until XX/XX/XXXX. 
It appears that Lendmark is using deceptive trade practices and does not stand behind it's offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX MO XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX MO XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account with XXXX, which is partnered in some way with Fifth Third Bank. XXXX  is a scam. They hold your money hostage with no way to access your money. XXXX  will do nothing to help. Fifth Third plays a role in this. It makes no sense that this is allowed to go on. Somone needs to require a back to make funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-10-14 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-10-14 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 witht he Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX  XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX MI, XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: ERC
State: OH

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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portnoy Schneck, L.L.C.
State: NY

Complaint narrative:
On XX/XX/22 I went to use my XXXX XXXXXXXX XXXX and it was declined. I was very confused as there are sufficient funds in my account. I then went to XXXX only to find out that a hold was put on my account. I was completely besides myself and asked XXXX why> i was told there is a legal hold on my account put on by PORTNOY SCHNECK in the amount {$5800.00} and put the hold for {$11000.00}!!!! At this point in time XXXX told me they could not help me which I am furious about and how could they allow this without confirming all details were accurate. I then googled the name of the Debt collector and called them. They were rude and did not provide me with the facts to back up the claim. They simply told me to fax them a copy of my Bank Statement which I have no clue why I would do so as this is my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX and I am in the process of selling my home. When the title search was done, an old 2nd mortgage/HELOC came up for XXXX. This account originated from XXXX XXXX XXXX XXXX XXXX ), to Suntrust, to BB & T, and now Truist. Back in XX/XX/XXXX XXXX XXXX XXXX, I had done an " in house '' loan modification to where I thought they waived this HELOC but it was not recorded, and I know it would have been up to me to check, but it is not on my credit report and was considered an " unpaid charge off ''. I have not received any correspondence, any mail, calls, emails etc from this company at all in XXXX  years. So, I thought it was a written off account when I did the " in house '' modification. 
However, if I have to pay it, I am willing to do that because I need a clear title to close on my home. I am exhausted and very upset as to how I have been treated by the Truist calls, being transferred to repeated numbers over and over. Countless hours on the phone and not one representative can even find the account. Being passed off and ignored could hinder the sale of my home and cost me huge amounts of money. I emailed XXXX, and finally got a response that they do NOT handle HELOC/second mortgage accounts and exclaiming to me not to email them again. They provided me with some contact numbers and every one of them went straight to the " standard customer service number '', other than one that was for commercial retail ( nothing to do with my issue ). I am being passed off and ignored. 
I have called and called and called, I have a complete list of everyone and all of the phone numbers that I have been passed around to all week, starting XXXX XX/XX/XXXX. I even went into the XXXX XXXX XXXX XXXX XXXX and the representative was unable to help as well. 
The attorney handling the closing has requested a payoff from Truist, however, if they do not provide one, to use a 3rd party company to handle it. I researched this 3rd party and it appears that they only handle " paid in full '' mortgages. 
I am seeking your help to find out how to get this payoff. 
My contact information is XXXX The old account number is XXXX ( I have an old statement from XXXX in my possession ) and it was with Suntrust. 
The address is 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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: IL

Complaint narrative:
Hi I am Im making this complaint against CAPIO PARTNERS LLC for identity theft. I have never given CAPIO PARTNERS LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CAPIO PARTNERS LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CAPIO PARTNERS LLC continues its collection efforts, I will file for litigation for actual damages caused and CAPIO PARTNERS LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Hi I am Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My check was not credit towards legal tender for me XXXX use as it was a result of pain and suffering and I am still going troughs pain and suffering checking account XXXX check information THE CITY OF XXXX XXXX OFFICE OF THE COMPTROLLER - DEPARTMENT OF FINANCE IS AUTHORIZED TO PAY OUT OF THE CITY TREASURY THE AMOUNT SHOWN XXXX PER XXXX ON FILE AT THE AGENCY SHOWN ON THE PAYMENT WARRANT STUB XXXX XXXXXXXX XXXX XXXX  Dollars Check No : Date : XXXX XX/XX/2022 XXXX XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX ********* XXXX NOT VALID 180 DAYS AFTER THE DATE OF ISSUE FOR COMPTROLLER COUNTERSIGNED XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXhese XXXX XXXX XXXX  XXXX XXXXXXXX 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 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I have previously disputed this account with capital one and the credit bureaus to no avail. This account is not only in violation of FCRA section 623 ( 5 ) ( A ) but is also in violation of 15 USC 1681s-2. These are serious FCRA violations and I would like this account removed from my credit report immediately or I will be forced to file a small claims suit in the amount of {$1000.00} per violation. 

Capital One Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation