vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I called Wells Fargo XXXX simple request : I need copies of all my checks for XXXX  to do my taxes. After spending XXXX minutes on the phone the XXXX said she would email them. When I received the emails they were the same XXXX checks send in multiple batches. I then called again and again spent a long time on the phone. I was promised that the checks would be mailed as the clerk said "... I am not sure how the system works. '' But she said there was no other way for me to secure the checks other than this antiquated method. I would like to be compensated for my time. Wells Fargo has antiquated systems that is unfriendly to the consumer. I need this information and the bank should enable me to access it on line but I can not go all the way back to XXXXXXXX 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 monetary relief
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX  months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB please remove the inquires list on the attached report - as I did not authorize this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase offered cash advance with XXXX XXXX  initial fee and XXXX XXXX interest for XXXX months. I took cash advance for {$15000.00}. I continued to use my credit card for purchases. Each month I pay over the purchases and towards the promotion balance. i.e. {$1000.00} in purchases, {$3000.00} payment. Chase has been crediting my payments towards the promotion balance which is at 0 % interest, instead of new purchases. My understanding from Credit Card Act of 2009 which Chase also has on their website, my payments should be applied to my new purchases with the higher APR. When I asked Chase the first representative said that when you have a promotional balance, purchases have XXXX day grace period ( normally XXXX days ) and you start to be charged interest on the day of purchase until payment date. I then asked for a supervisor, supervisor gave a different explanation, he said that when you continue to make purchases on a card with a promotional balance, that it cancels the promotion. I told him that didn't make sense, he agreed, but said he couldn't do anything about it and can't comment on the " political act of 2009 ''. I told him his answer doesn't make sense as my statement still indicates I have a promotional balance, he said yes the statement says that, but in reality purchases cancelled out my promotion and there's nothing he can do. ( No late payments on account ). I told him I would be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GFS II, LLC
State: OH

Complaint narrative:
I brought a used XXXX XXXX from Gateway the dealer offered a pay XXXX  years and move up to better vehicle, transmission replaced XXXX  XXXX loss job paying for rides.attemptrd to give car back dealer wouldn't accept. Sued in Municipal court, settled out of distress, Gateway harassed me after XXXX pmts, now garnishing wages.filed XXXX Discrimination against Gateway with XXXX civil rights commission, withdrew charg

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MT

Complaint narrative:
I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to 2010 approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a XXXX XXXX under XXXX, I can't reverse things due to stress and my XXXX XXXX, XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks 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 2023-06-25 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: MT

Complaint narrative:
I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to XXXX approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX XXXX, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a credit score under XXXX, I can't reverse things due to stress and my XXXX XXXX XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
DELETE HARD INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Please investigate Coinbase. They have told me i cant get access to my personal account and withdraw cash for 1 MONTH as part of their customer support and security policy. 

This involves interactions with Coinbase Customer Support phone and email services from XX/XX/XXXX - XX/XX/XXXX. I have been locked out of my account. I have provided the information requested to validate my account multiple times which is the last XXXX digits of my social, a photo of my drivers license, and a photo of my self to match to my drivers license both online and while on the phone with a Coinbase agent. In my first interaction the agent told me it was approved and to look out for an email telling me how to regain access to my account ( i found it odd they couldnt unlock the account - or give me access after resolving the issue with me on the phone as other FS companies do ). None-the-less, I went through the steps they suggested in the email, and it locked me out again. The last agent i spoke with on XX/XX/XXXX told me that i had been locked out of my account for security reasons and they would not be able to review my account for XXXX month. Given this is an account with my cash as well as securities that change value day to day, and I want to get cash out, this is not acceptable. There is no credible financial services institution in the world that would tell a customer they cant get access to their account for 1 month due to security protocols, or have it as a part of the customer service policy. My concern is that they are defrauding customers, and that my $ arent really in my account at this point. Please investigate Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
While checking into the national multistate licensing system, I noticed Portfolio Recovery Associates is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX  ) Acct number : XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) After deletion I need an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX, on my phone 's Chase business app, clicked on a promotional offer for a XXXX Credit Card. After filling out the information requested, there was a message on my phone letting me know that I might have to unfreeze my credit for them to check. Following Monday called back an XXXX number to let them know I unfroze my credit for a few days per they request. My Business ( Chk : XXXX ) relationship with Chase is more than XXXX XXXX XXXX, with checking and savings, never even a minor problem, always excessively funded and they advertised the fact to issue a credit card especially for someone like me who has history and good relationship as super easy and fast! 
After about XXXX weeks of the original application, called back to check, I asked why is taking so long? Was told that is Not approved, When I asked Why? They had No clue, was told will receive a letter in mail. NOTHING HAVE RECEIVED IN MAIL. Called back many times, they say different stuff, By the way my credit score is close to XXXX, and I made a trip in which I could use a XXXX card and of course with other purchases! Have requested at least XXXX times a letter for the denial No letter ever came! It seems, they Do Not Want to send this letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Keeps calling and sending letters repeatedly after advising that its not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  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 an 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 any purpose. 

My right to privacy was disregarded by XXXX XXXX in XX/XX/2023. The company is inaccurately listing my payment. My payments have always been on time. This inaccuracy has been disputed as well because it has affected my credit negatively. 

Thank you for your time and assistance, 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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/23, I visited Ally to make a bill payment using their automated check-writing service. The website showed the bill pay service was suspended on my account. As background, I have an pending yet unrelated dispute with another company who used an expired and terminated autopay agreement to withdraw funds from my Ally account via XXXX. XXXX transactions are not related to Ally 's check-mailing bill-payment service. 

I called Ally to find out why my bill payment service was suspended and to restore it. After dealing with with an hour of holding punctuated by rude conduct from a supervisor who identified herself as XXXX XXXX, employee # XXXX, I was told that outside of revoking this pending dispute, there was nothing I could do to restore the bill pay service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX al XXXX Creditor Experian I just got my report and I think it's wrong! I was told I have a right to have an investigation done. I credit reporting laws ensure, that bureaus report only XXXX XXXX accurate credit information.every step must be taken to assure the information reported is completely accurate and correct.the following information, therefore, needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct.also they charge my account with the same inquiry twice. 

Please provide me with the following items payoff disclosures interest rare disclosures balance history payment history credit insurance Creditor. XXXX XXXX XXXX  Account # XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had XXXX XXXX Withdrew and I didn't even get any money. They just charged me when I got my XXXX put back in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXXXX/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 explanation