vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XX/XX/XXXX. I purchased a bed and bedframe that was adjustable. A week after the purchase the justable frame stopped working. I contacted the company they refused to fix it even though the contract said that they would and told me to contact the manufacturer. I told him I refused to pay the debt and less they honored their side of the agreement and that they should come and return the bed and the mattress. They never did. Some time went by and I finally got a call from a XXXX  XXXX. They were told the XXXX the same thing that I would not pay unless they honored their agreement first and then I wanted him to return the product if not. I never heard anything Else from them until XXXX day a letter was put on my door that was not sealed in an envelope just fold it over and it contained my account number my personal information debt information including amounts of food etc. etc. it also included a letter threatening me with police and legal problems. So I contacted the XXXX XXXXXXXX again and told him I wanted it out of my house I have requested them to return it multiple times or to fix it they refused and then I never heard anything else again. I never heard anything until last week I received a civil warrant for general sessions court For a lawsuit. For over XXXX years I had received no contact through the phone, email, Postal Service, or any other means. My phone number has been the same since XXXX. My address has changed but has always been updated with my drivers license and tax information which are accessible by an attorneys office if need be there has been XXXX attempt to collect this debt until I was randomly sued after they refused to uphold their end of the contract. Then when I called the attorneys office to discuss the Civil Warrant I had received I was told that the judge isnt going to care about my XXXX little letter and XXXX you then they hung up on me. I was speaking to XXXX from the law office of Jennifer McCoy. XXXX is in Indiana so Im not sure if she is even able to discuss in TN. So this company was hired to collect a debt, never attempted to collect the debt, waited 5 years, and then sued me and then cussed me and made fun of me while threatening my credit score when I called to discuss. Jennifer J. McCoy law office is a disgrace to the profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an account without my written instructions.

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 2023-08-17 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: IL

Complaint narrative:
I had a prior case open through the CFPB and in the resolution, Equifax stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: PA

Complaint narrative:
After recent review of my Credit Reports I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge og : 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 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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
They threaten to damage my credit report which they did Call me everyday and threaten to sue me brandsource

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Kikoff Inc.
State: CA

Complaint narrative:
This bank has shown continuously they can not keep my money safe and the time they require to fix the issue is both unfair and unacceptable. Blocked my old card for security reasons and a merchant was still able to get a hold and charge of the new one ; and I have not even received it yet. They take no accountability, hung up and have given me the run arounds so much. Demanding over 60 days to resolve an error on their part. All calls to make it right has been futile. All questions as to how a merchant was able to charge a card I have yet to receive. I just want my money back in XXXX timely fashion. I do not have the luxury to wait for months for them to fix an issue they let get out of hand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
My name is XXXX XXXX, I got XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX I started having issues with the car. I was reassured that the issues were because the car has been sitting for a while. Anyways the issue continued. I let them know. Didnt get a response so I was told it was the brakes so I paid to get them replaced. This wasnt even 30 days into having the car. After that the car wobbles when I turn and makes a noise.. this is early XXXX. Im thinking its the tires. I replace the tires and get an alignment {$1200.00}. A few weeks go by ( Late XXXX ) and the waddling is back, there is a loud noise when I turn and its time for my oil change so clearly its NOT the tires. I call XXXX and they tell me itll be a month before they can do any service. I didnt want my engine to lock up. I pay for an oil change. ( XXXX ) I wait a month ( XXXX ). They had my car XXXX weeks and say they replaced the brakes and fixed the waddling but Ill need an alignment. ( {$290.00} If they do it ) Why not align it already? The car has been having this issue from the jump. I got it aligned at XXXX. I just purchased tires from them not too long ago so its included. I got my car back and the back was indeed fixed HOWEVER. All the issues I had in the back are now in the front. EXACTLY the same issues. The front was PERFECT. I have an ALL WHEEL DRIVE car so I KNOW all they did was flip the car parts underneath. Ever since I got this car, Ive had issues. Ive been putting money into this car from day one. I have fell behind on payments because its IMPOSSIBLE to pay for repairs and rent and car insurance. I cant make payments AND pay for repairs. I have reached out to Mercedes sent them the screenshots, bank statements confirming me paying for repairs, I do not want this car anymore. I wanted to trade. Now they wont finance it because my credit has fell behind due to this issue particularly. They wont resolve the issue do a payment deferred. Swap the vehicle out NOTHING. I traded my car in for this one so this is my ONLY means for transportation. They are XXXX up XXXX. Ive already reported them 6 times to the XXXX. They need to be shut down immediately I called XXXX financial and they said they wont accept any payments from me except the XXXX  XXXX full pay off amount THEY SOLD ME A BAD CAR AND THEY KNOW IT! Now the community needs to know it! I WILL SUE AND ILL LEAVE WITH MORE THAN WHAT THE CAR IS WORTH ESPECIALLY FOR THE PAIN & SUFFERING IF WE CAN NOT COME TO A RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hello, I was a customer with discover financial services. I believed my bill to be paid in full. Unbeknownst to me, there was a recurring charge that hit the credit card and went unpaid for 2 months. Discover Financial was sending electronic statements to my email which is inundated with junk mail but did not attempt to contact me otherwise. After the second missed payment, the company reported a negative report to the credit bureaus. I attempted to discuss with management in customers service that this was an oversight and requested a good will adjustment for first offense and the company refused. I believe this is punitive to consumers. This in no way is a reflection of my payment ability or my credit worthiness. I believe there should be some investigation into the practices around paperless billing especially given that consumers are becoming more and more overwhelmed with email campaigns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I had no knowledge of this XXXX account that was on my report I need it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2023, I filed a complaint with Chime bank regarding a purchase that I did not receive. I uploaded supporting documents showing the purchase date and the email communications where I attempted to resolve the issue with the merchant and also requested a refund that was refused. The merchant indicated that they could not issue a refund because Chime bank never released the funds to them. 

Chime claims that they are investigating the dispute and will resolve by XX/XX/2023 - XXXX months from the transaction and dispute date. They refuse to refund me or credit my account pending the investigation. 

I am unable to speak to the investigators and customer service only repeats the same basic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I received a letter from UWM saying we did NOT make our XX/XX/XXXX payment. I checked my account and we paid {$2100.00} on XX/XX/XXXX and then another {$100.00} paid on XX/XX/XXXX to cover the payment. I have payments automatically sent thru our account, our XXXX changed which I covered with the additional {$100.00} on XX/XX/XXXX. Please note my check was cashed on XX/XX/XXXX by UWM XXXX weeks after it was mailed, but still before it was considered late on XX/XX/XXXX. 

Then on XX/XX/XXXX another {$2100.00} was mailed and cashed by UWM on XX/XX/XXXX. I did NOT send in the additional money this time because I started getting these DELINQUENT NOTICES. Future payments will be the correct amount, Ive just had XXXX family deaths this year and Im the only child that is helping my parents and have been in Arizona quite a bit this year helping. 

So on Friday XX/XX/XXXX, I called the XXXX number listed in the DELINQUENT NOTICE, it was a collection company. When I explained I had proof in front of me that my payments were made and cashed by UWM, I was transferred to UWM. The first lady looked up my account, she stated that UWM had refunded and mailed me a check on XX/XX/XXXX because the payments were not EXACTLY right. As you will see from my banking account for this year, this has never been a problem before with additional payments being sent in. I HAVE NOT RECEIVED ANY checks, and UWM has {$4300.00} of my money right now in the payments I made. I asked to speak to a supervisor because I was getting frustrated, I was transferred 5 times, and not XXXX was a supervisor. Then I was told they were transferring me back to collections and I should make payment arrangements. At that point I just hung up because I was getting nowhere. Proof of payments and copy of bank report attached. 

On XX/XX/XXXX Mark and I decided since our house is being threatened, I scrounged up the money and called in MORE money {$4400.00} when I already paid you {$4300.00} for those 2 months. This seems like fraud on so many levels! 

I want the late fees removed, I want our credit fixed! And PLEASE sell our loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Sometime on XX/XX/2023, I opened a checking account with US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX with an initial deposit of {$50.00}, maintenance fee waived being a senior. On XX/XX/2023 I deposited a XXXX check in the amount of {$3600.00} issued to me for services rendered as a caregiver to a client. Last XX/XX/2023, I received a letter from the US Bank manager dated XX/XX/2023 through USPS informing me that US bank is in the process of closing my account because of " suspected irregular activity ''. After reading the letter on the same date, XX/XX/2023, I called up the number XXXX XXXX XXXX provided in the letter to inquire why they are closing my account and what is all about the " suspected irregular activity '' mentioned in the letter. The lady who answered said she has no idea. In turn, she gave me a new number XXXX XXXX XXXX to call. The 2nd lady answered the line and also said that she have no knowledge why my account is in the process of closing. She then connected me to their Fraud Division where a man answered, also saying he has no idea what is going on with my account. On or about XXXX XXXX XXXX XXXX XXXX of XX/XX/2023, I went to US Bank branch in XXXX XXXX XXXX to seek audience with the branch manager to clarify the issue. Inside the bank, a man in white polo shirt and black pants approached me, and I told him that I wanted to see the branch manager after I showed him the letter. After then, he conferred with the two ladies sitting on one of the tables inside the bank. After a while he came back and told me the bank has the option to close my account when they see a " suspected irregular activity '' with my account. I responded that I wanted to know what was the " suspected irregular activity '' all about with my account since I only have two transaction involving the initial deposit of {$50.00} and the deposit of XXXX check in the amount of {$3600.00}. Since the man could not tell me the reason for the closing of my account, I told him that in this case, I am going to close my account after I withdraw the money that I deposited. However, he told me that I can only have my deposited money withdrawn once the their review of my account is done. Since then, it has been Sixteen ( 16 ) days after the branch manager wrote me the letter. Meanwhile my family have to wait for my money to be released before I can send them their monthly living allowance and school expenses. As time goes by, I am living with stress everyday thinking about my family.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I transferred over the entire balance of my other CC to Citi XXXX XXXX XXXX after an attractive introductory consolidation rate and after having an issue with a returned payment from my XXXX XXXX account, Citi has shut down access to online and app based banking features making visibility into the cards balance as well as ease of access to make payments near impossible. Do to their global team of customer services reps who don't understand or can communicate complex questions or issues in basic English they were of little to no help. After calling 5 times and eventually getting transferred the US based AE at CITI they proceeded to put sole responsibility into the determination of the account into there " Back office operations, ' and when it came to process of filing an internal complaint about the account closure they were only able to give me a XXXX XXXX in South Dakota with XXXX insights into who the make the letter in attention to and how to word or phrase my concerns to be addressed.

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 2023-08-17 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: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hello, This complaint is against my bank - chime. On XX/XX/XXXX my bank account was hacked and over XXXX fraudulent transactions took place in my account in the middle of the night where a scammer sent over {$500.00} to a cash app account. All 26 transactions took place over the course of 30 minutes which was not flagged or blocked by my bank ( chime ). I woke up and discovered my account had been drained to {$11.00} and i filed a dispute immediately. Chime then proceeded to tell me that I wont have an update on this case until XX/XX/XXXX, 90 days after this incident happened. No credit or refund was issued to me even though I did nothing wrong and am supposed to be insured as a customer. I was left with basically no money in my account and no way to cover the rest of bills. Chime keeps giving me the run around here and I need to file a complaint against them to get reimbursed for this fraudulent act. Any other bank would clearly identify this as fraud and insure their customer, chime is not.

Company response to consumer: Closed with explanation