vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX Has sent me a debt collection page to XXXX adults on the lease each XXXX separate reference for is XXXX i do not owe this debt. the original company is trying to pull a scam and i wont be apart of it XXXX XXXX  i rented from XXXXXXXX XXXX i filed a case on them with fair housing because they tried to put me through a bunch of rules and regulations when i tried to move to a new house. i put in notice that i would be moving, but needed to find a house my lease ended on XX/XX/XXXX XXXX they would not let me pay for those couple of days so i stated if i have to pay for the whole month then i will leave when i find a place. if my lease ended XX/XX/XXXX then i should have only been paying month to month after that because i did not sign a new lease. they created a fee saying i had to pay because my lease went month to month. this was not in original lease. so basically i asked them to come get the keys noone did i wsited until trash night put out the trash told them i would return to take trash back in and asked for someoone to meet me at the house again. noone showed. so when i left the house they put bogus charges charging me for removal of items that were originally on or in the house. They even added on extra days i asked for receipts. they told me they were not going to give me receipts .they are not allowed to just make repairs without giving me the chance to do them first. to charge me after the fasct is bad business. I believe they were trying to make me pay more for leaving and for the upgrades they made. They did not ask me to remove any items. everything was left in the trash can it needed to be pushed to the curb. they charged me XXXX after keeping the security deposit XXXX She has also included all three adults on this making it show up on all three of our accoutns when it should have only been on mine. i tried to work it out going back anfd forth with XXXX XXXX. she then stated she wold take action. i was not going to pay charges i didnt owe and that she couldnt produce receipts for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I did not receive a letter from Credit Collection Services stating I can dispute this item. When it appeared on my credit report I disputed it and they verified it and placed a disputed note on my credit report. I do not owe the debt collection agency because they purchased this account and that is against the law. This is causing me financial distress. Please prosecute them to the full extent of the law. 

Be advised that your claim is disputed, and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
its a 30 day last payment reporting on my credit report when I was never late on my payment

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 2022-12-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-24 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: KY

Complaint narrative:
My mortgage account is currently showing 180 days delinquent/past due on XXXX and Equifax, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the CARES Act, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My mortgage account is currently showing 180 days delinquent/past due on Experian and XXXX, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the XXXX XXXX, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.

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 2022-12-24 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-24 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: DC

Complaint narrative:
TransUnion violated my right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) -Accuracy and XXXX XXXX XXXX XXXX XXXX which is a violation of the ( FCRA ). pursuant to Title 15 USC 1681b ( a ) ( 1 ) -Permissible purposes of consumer reports, TransUnion have not got an order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, to furnish account ( XXXX DEPARTMENT OF EDUCATION XXXX to my consumer report. I as a consumer never VERIFIED nor gave prior permission to TransUnion to furnish the account ( XXXX DEPARTMENT OF EDUCATION ). I as a consumer is enforcing my RIGHTS and demanding that TransUnion Delete/Remove ( ALL ) accounts ( XXXX DEPARTMENT OF EDUCATION XXXX XXXX my consumer report or I'll file suit pursuant to Title XXXX XXXX XXXX XXXX for willful noncompliance and XXXX XXXX XXXX, for XXXX noncompliance Respectfully, TransUnion will be liable XXXX me {$1000.00} each violation for violating Federal Law ( FCRA ) 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 2022-12-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My father had passed away on XXXX XXXX, XXXX. The payments to his house were not being paid because of probate and the house went into foreclosure. I had been living in the house since XXXX. In XXXX I tried to get the mortgage into my name but was denied for not enough credit. My dad told my uncle to pay the house off through his medical settlement but my uncle never paid it. Instead he " accidentally '' paid off my dad 's ex-wifes ' car. So my dad had instructed my uncle to make the monthly payments on the house. When my dad passed in XXXX my sister and I had to go through probate. She didn't want the house so it went to me. However I was not able to mortgage the loan in my name because my dad 's ex-wifes ' name was still on the loan. My dad did try to get her name off during the divorce which was in the divorce settlement but for some reason she remained on the loan. When I contacted the mortgage company in XXXX to switch over ownership and do a home modification in my name after the probate I was told that they could not do that until my dad 's ex-wife was off the loan. However they did do the loan modification in mine and my dad 's ex-wifes ' name. Without her signature. I had no idea where she was so I searched for her and found her in XXXX a year after the modification was done. At first she was willing to sign off on the house but she never did the paperwork and claimed that she didn't know who to talk to .. She also insulted my family and in XXXX said that she was not going to sign the house over and to thank my uncle for this because he repossessed her car from her when she refused to pay him the money he paid for her car loan. She said to me " thank you for my good credit all these years ". I called the mortgage company and asked if there was any other way to put the mortgage in my name and they said not without her signing off on the house. Even though the loan modification that was done 2 years earlier had put me as a co-borrower with my signature but not her signature. I was the only one with interest in my house and could not get the loan so I decided to not pay for somebody else 's good credit. I let the payments slip. I felt like my hands were tied. I had received a notice of default in XXXX and then a notice of foreclosure intent to sell by auction on XXXX XXXX. I had contacted the mortgage company again for a home modification and they didn't even know who I was. They had taken me off as co-borrower and couldn't give me any details about my house. However I had received notice after notice to contact another company for the full amount of the house. I have all documents that may be needed to prove my case. This house was all that was left of my dad.

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 2022-12-24 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 
Equifax is governed by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to the XXXX XXXX XXXX I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 


Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
its a 30 day last payment reporting on my credit report when I was never late on my payment

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 2022-12-24 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple Card & really only ever have XXXX issue with it. Every single month on or about the XXXX I get hit with a charge for {$9.00}. Its for a XXXX XXXX  subscription service that I do not have. Every month I contact Goldman Sachs and every month I have to go through & change my card, XXXX ID, password, etc. it literally takes hours & does nothing. They only block me from using my own account. Thats not a resolution, Ive asked them to block this merchant from charging my account, they wont. So every month for going on XXXX full years now, I have this reoccurring issue. I did not want to complain because I do not have any other issues. I just feel like someone at the top needs to intervene & fix this. All I want is them to block XXXX from charging me or change my card numbers so they cant charge me. Thats the only issue but I should not have to go through hours of changing everything on my account, every single month for 2 years! Why cant they fix this? They tell me they have reversed every XXXX charge on my account but, I still see some I have never given them my card number. It is fraud. Please reverse all XXXX charges & either change my account info or block them from using my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Island Finance Puerto Rico
State: PR

Complaint narrative:
I believe this to be fraud I have not applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I disputed a number of fraudulent charges on XX/XX/XXXX with Chase that my mother had illegally put on my account. They claimed I recieved the benefit of all transactions when it was clearly not the case. I didn't recieve the benefit of XXXX work paid for on XXXX and XXXX of this year. I even contacted the XXXX and told them that the charge was not legitimate. 

I didn't recieve any benefit from a balance transfer off my mother 's credit card that I didn't authorize on XX/XX/XXXX I didn't recieve the benefit of XXXX purchases made on XXXX and XXXX. I don't even know what was purchased. 

I didn't recieve the benefits of XXXX separate transactions to XXXX for XXXX XXXX tokens in game. A game my mother plays obsessively. 

Essentially every charge on this card from XXXX of XXXX onward was not authorized by me, I did not give anyone permission to use it, it was done fraudulently and now Chase wants me to foot the bill for a crime I was the victim of. I filed a police report earlier this month, I reported fraud to all of the credit bureaus XXXX I'm supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a checking account and savings account with XXXX. A bonus of {$300.00} for meeting checking account direct deposit requirement was met and paid. A bonus of {$200.00} for meeting savings account deposit requirements was met and paid. For meeting both requirements, I was supposed to receive an additional {$100.00} bonus for meeting both requirements. XXXX is not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The following fraudulent charges were made with my Citicard : 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 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 I immediately reached out to Citi when I was alerted of unusual activity. I gave them all the above information. I have followed up multiple times to check and see if any more information is needed from me. On XX/XX/XXXX, I was told that the investigation was closed and I was responsible for all of the above charges. They said there was insufficient evidence of fraud. 
They told me they closed the investigation because I missed a single phone call attempt from them. I missed a single call on XX/XX/XXXX ( XXXX ) from the fraud department. A voicemail was left but the message was not clear. I could not identify a callback number. I immediately called the Citi number listed on my credit card within an hour of the missed call. I spent about an hour on the phone with a Citi representative ( on XXXX ) detailing the missed call I received and the voicemail requesting I call to give more information. I was told by the Citi representative that no information was needed from me and that the investigation was ongoing. 
The representative from the fraud department on XX/XX/XXXX told me I was at fault because I spoke to the wrong department. He also said I was at fault because I did not attempt to contact each of the above companies to inquire about these fraudulent charges and attempt to resolve the matter with each company myself. 
I spoke with a different representative that same day ( XX/XX/XXXX ) and was told they are reopening the case. But as of today, their website shows that the investigation is closed and I am responsible for the upwards of {$3000.00} worth of fraudulent charges. It has been XXXX billing cycles. I attempted to call today and the automated service also states the investigation is closed. A Citi representative told me there is no one from the fraud department I can speak to today and that she can not provide me any information about fraudulent activity. 
I have been great customer for Citi for years. This is my primary credit card and I use it daily ( Though I have not used it since the fraud occurred ). I pay all my bills on time. The charges above are so obviously not in line with my spending activity. They are obviously fraudulent. I feel extremely helpless and vulnerable right now.

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 2022-12-24 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: TX

Complaint narrative:
My information is wrong, social security to start

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 2022-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I believe this to be fraud I have not applied for anything

Company response to consumer: Closed with explanation