vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello. 

I hope this message finds you well, I had a property that I inherited from my father also I have all the documents thereof, but due to some limitations the buyer sent it to me through several transactions, however, it was supposed to be sent in XXXX transactions! I informed the bank about this and had all the documents available, however, the bank closed my account and sent me a letter that I would receive any funds related to me by check, but I have not received any money so far, and the bank refused to give me any information they gave me a number to call, I called that number several times but nobody knows anything, and I am struggling several months and went to critical financial issues and have no idea what is going one.

I would like to know what happened and where are my funds. 

Thank you very much and appreciate your help I look forward to hearing from you! 

Regards,

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to XXXX regarding an account on my credit report by the name of XXXX. I informed Equifax that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments for XX/XX/XXXX, so I am confused as to why XXXX is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not liable for the debt with CAPITAL ONE BANK USA and XXXX XXXX - XXXX I do not have a contract with XXXX XXXX XXXX XXXX  or CAPITAL ONE BANK USA and i was not provided with the original contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have not liable for the debt with XXXX XXXXXXXX XXXX XXXXXXXX and WORLD ACCEPTANCE - G I do not have a contract with WORLD ACCEPTANCE - G or XXXX XXXXXXXX XXXX XXXXXXXX and i was not provided with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found two accounts that are not mine. I did not open these accounts. These are two phone company accounts. One which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We purchased a murphy bed in XX/XX/2023 and asked the merchant if it can be delivered different state XX/XX/2023 because we out of state til then, He said yes we paid in full {$3200.00}. End of XXXX we got home starting to text merchant that we were home can deliver murphy bed. He said should get it soon. Never recieved it sent messages all summer. He had excuses but never got it. 
I contacted XXXX in XXXX started dispute, closed case no documents why. called back reopened case 2 other times, He said item on the way. 
XXXX say cant help us go to merchant. Now we are back near merchant went to see him, now he says item lost in freight. And he cant refund us because XXXX took funds from him. We went to XXXX XXXX XXXX, this merchant has done this to about dozen other customers. Rating is XXXX He has no proof at all here our murphy bed went or even mailed out. 
Called back XXXX talked to supervisor and cant refund us or do anything for us. She said his last form said he was waiting for us to let him know when to deliver. but not true.

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 2023-11-30 00:00:00
Product: Credit reporting 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:
Submitted it to you earlier but forgot to attach my bill and my drivers licensee and Social security card attaching all the information again

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 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been disputing several accounts with XXXX here are two accounts I have been disputing from Midland Credit Management who has failed to provide debt validation or any information at all but continues to harass me with phone calls and threatening letters. The disputes from XXXX seem to be very quick only taking about 7 days when XXXX states in their website that dispute take around 30 to 45 days which leads me to believe XXXX is not actually investigating disputes this is an ongoing pattern with XXXX. Dispute Report Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
The company " Credence '' keeps on calling every phone in my household. When I say hello, it is silence and no one answer. We have never received a dunning letter from this organization either. They are not advising what is going on or what this is for. The calls are constant and very disruptive. We do not do business with collectors and we are not given a method to make it stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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 made a purchase on XXXX for {$43.00} on XX/XX/23, and the full payment was deducted from my bank account. However, a few days later, the same payment of {$43.00} appeared as pending in my bank account, affecting my available balance. Despite contacting XXXX, they couldn't see the pending payment without a screenshot, which I couldn't provide due to the Chase app 's restrictions allowing you to take screenshots on an Android phone ... After contacting Chase, they assured me the funds would be available the next day, but that didn't happen. Subsequent calls to Chase resulted in them acknowledging the issue but explaining that, since the payment was pending, I had to wait for it to post which could take XXXX to 5 days before they could address the refund. Despite being pending, the amount was still affecting my available balance for other purchases. Chase claimed their hands were tied due to the pending status. I never authorized the XXXX payment and find it unfair that even though it was only " pending " That this amount of {$43.00} was affecting my bank account balance and Chase was only able to takes actions days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I didn't see the exact option listed for my complaint. But I've notices several unauthorized inquires on my XXXX credit report that wasn't made by me and here is the list with the dates attached and I need them removed. 

pentagon fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has reported inaccurate information to Transuion which has been placed on my consumer report. I have tried to get in touch with XXXX XXXX XXXX XXXX to dispute this matter and they have been deliberately unresponsive. I have made a CFPB complaint and a FTC complaint in which I have been told that they can not reach the company as well. I have also made a complaint with the XXXX in which they also have responded by informing me that XXXX XXXX XXXX XXXX has refused to respond to their request to settle this matter I have all the items to show proof of my attempts to reach this company. I have more then twice got in touch with TransUnion to delete this inaccurate information and provide me with permissible purpose, and to provide me with relevant information from their reinvestigation that can prove that XXXX XXXX XXXX XXXX was given permission from me. I ask them to provide me with the proper relevant information under USC 1681i and all I have been given is a letter that say the item is verified. I am clearly ask for them to provide : who did they reach out to? How did they reach the so Called person what documents do they have that shows time, and dates of the request for the company to respond to their so called reinvestigation? Transuion has token upon their self to disregard the laws set in place to protect consumers. They have taken time away from work from me work and caused me stress. And I need for them to remove this item from my report immediately. It is clear that permissible purpose can not be provided. It is clear that XXXX XXXX XXXX XXXX has not responded. I ask that Transuion does what is right and follow the laws set in place, and not act as if they are above the law.

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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I sent my notice to rescind a car loan I entered into with XXXX Nissan XXXX on XX/XX/XXXX through USPS certified mail after coming across some information given to me from my attorney. In the TILA ( Truth In Lending Act ) I noticed that the dealership did not even mention the TILA to me and my rights available to me in TILA act. I also was told by the dealer that the financial institution that let me extend a line of credit through there establishment REQUIRED me to put down a downpayment for THEM ( FINANCIAL INSTITUTION ) would approve me to leave with the car. That was not the case, the car was paid for in full by the line of credit i extended and the XXXX $ i put down was my absolute last and i paid it because i believed the dealership was being 100 % with me. There are plenty of errors in the contract on top of no disclosure and aggressive sales tactics to get you to sign the contracts. My financed amount doesn't even add up right in my itemized financed amounts. I have yet to receive my money and or property that I have given in connection with this transaction. 

1026.23 ( b ) ( 2 ) ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: NY

Complaint narrative:
Received a recent email from EXPERIAN advising that my XXXX /EXPERIAN credit my been dramatically reduced by them. 
I spent over a XXXX XXXX on the phone with requesting an explanation for this action. 
They refused to provide me with an answer to my question. 
Instead they hung up the phone on me!!!! 
All I'm asking is for a simple reason why my XXXX  credit score was tossed into XXXX  by them ... ... ... ..a specific reason why and NOT a canned answer. 
Something caused EXPERIAN to XXXX  and destroy my credit ( score ) and I would appreciate the courtesy of a legitimate, valid answer. 

They REFUSE to give me one.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Every representative that they have been telling me to contact never answers my call or email regarding my previous complaint.

Feels like deceptive practices.

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 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Subject : Urgent Request for Immediate Removal of Paid Collection Account I hope this message finds you well. I am writing to bring to your attention the urgent matter of the collection entry on my credit report related to account XXXX. I want to emphasize that this account has been fully settled and paid in full. Given that this account has been resolved, I kindly request that you take immediate action to remove this entry from my credit report.

According to the Fair Credit Reporting Act, Section 609 a ) 1 ) A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents.

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 2023-11-30 00:00:00
Product: Credit reporting 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: CA

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. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 ) 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 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I was denied a line of credit with Affirm via XXXX. The credit card report and score used was incorrect. My score is not XXXX nor or any of these factors true : XXXX. SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV XXXX. ACCTS TOO HIGH TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED XXXX. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH My credit score is in good standing. The information was retrieved from XXXX. Their information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: TX

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 ) 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted off my credit report immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called XXXX and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.

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 2023-11-30 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called XXXX and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.

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