vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to XXXX a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-22 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:
THE COMPANY, XXXX XXXX XXXX, AND XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION EXPERIAN AND XXXX WILLING REPORT THIS FRAUDULENT INFORMATION. ACCORDING TO XXXX XXXX XXXX I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only XXXX Bureau in that is the XXXX XXXX XXXX XXXX. On XX/XX/1933, XXXX enacted XXXX XXXX to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency... Are inconsistent with a declared policy of XXXX... In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and ... Every obligation here to XXXX or here after and cured, shall be XXXX upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. XXXX XXXX XXXX ( XXXX ) ( XXXX ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated XXXX XXXX XXXX ( XXXX ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account. Remove these account immediately or pay me {$250000.00}.

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 non-monetary relief
Consumer complaint received 2022-02-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I got a letter from chase today by snail mail asking for more info about my disputes with XXXX and XXXX. The post office first delivered this letter to the wrong person. So it was delayed. The letter says the deadline for me to have my reply to chase is XX/XX/2022. Their web site will not let me reply in full because of a word limit. I don't have a fax machine. Snail mail will not get there in time. I think chase might have emailed me this letter already a long time ago and I might have already replied. But there is no record of this at chase.com. They should email me again and let me reply with no word limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My linked bank account was removed without any notification. 
I have attempted to contact support to determine why this happened, and to re-link the same account to enable money transfers. 

I have had 2 phone calls and 24 email messages to support, while often getting the same canned responses to re-link my account, which is the exact problem I've having problems with. 

Case # XXXX - phone Case # XXXX - email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UPGRADE, INC.
State: CO

Complaint narrative:
Hello, I have been trying unsuccessfully to obtain help from Upgrade , Inc., XXXX XXXX XXXX, a California-based " neobank ''. Last spring, I had completed a loan application with Upgrade, but did not take out a loan. Since then, Upgrade has been tracking my credit history and sending me alerts. I do not recall opting in to credit health monitoring. I've contacted Upgrade Support three times. They have told me that I do not have an " account '' with them and they have no information to delete. However, when I press them, they do say they can see my personal information and that I applied for a loan. 

I can verify that I do have a login for their website ( https : //www.upgrade.com ) and I can access their Credit Health service ( https : //www.upgrade.com/credit-health/health ). The entity monitoring my credit is Upgrade itself. I am not logging into a third party platform, as some Upgrade support representatives have suggested. I have unsubscribed from emails, but this account with Upgrade is still active. I see no option on the website to opt-out nor request my login/account be deactivated/closed/deleted. 

I request assistance in having Upgrade disable any and all Credit Health monitoring and delete my information / user account from their system. I do not authorize any credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Client Services, Inc.
State: MI

Complaint narrative:
They call me at least 3-5 times a day and I have repeatedly asked for written communication only and debt validation. The call from all different numbers and call me and my family several times a day. They have use abusive communications and threatened me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: MI

Complaint narrative:
Recently, I took the lease vehicle in for a possible trade in. The dealership contacted US Bank to get the payoff for the vehicle. US Bank has given the dealership two payoff quotes that on contingent on if they ( dealership ) will take my new lease back through US Bank. The difference between what they quoted is over {$14000.00}. Which makes it virtually impossible to get of their lease. At the time that I signed my contract, no of these practices was explained or documented during the transaction. 

It is not fair to me as a consumer to have to pay a higher payoff amount than what the truck 's original MRSP was at the beginning of the transaction. I purchased this truck in XXXX of XXXX from a dealership in Michigan. Since then, when I first thought about leasing another vehicle ( XXXX ) US Bank only gave on payoff notice to the dealership. 

If they have changed their practices due to the market changes with used cars that should have been communicated to the customer.

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 2022-02-22 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
in pursuant to [ 15 USC 1681b ] a reporting agency may furnish a report on a consumer if it has written consent or a court order and SYNCHRONY BANK has neither. SYNCHRONY BANK is acting as a consumer reporting agency under [ 15 USC 1681a ( f ) ] because they regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Also, I ceased all communications with SYNCHRONY BANK through all mediums except mail. SYNCHRONY BANK has acknowledge my cease and desist but failed to abide by my written request and are still communicating with me ( consumer ) through consumer report which is violating the means of cease and desist sent to SYNCHRONY BANK.

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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
I have requested my cd be closed and funds deposited into my checking account prior to and on the day of maturity. USAA reps have repeatedly stated that they are unable to close. Requested escalation and management call back, have received no follow up. Reps continue to say they do not know why account is unable to be closed/cashed out. Was told a work order submitted and should take 24-48 hours. After calling again requesting update, was told could take 10 days. Follow up calls to USAA, I am put on long holds Process and whether or not I will get my funds are unclear. USAA keeping CD open without my permission and against my multiple requests. I would like my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was wrongfully sent to collections due to management 's gross negligence and unethical practices. I should have never been reported to the collections company, XXXX XXXX. My insurance company, XXXX, paid XXXX 's XXXX  XXXX ( XXXX XXXX XXXX  ) for their claim. It is inappropriate and unethical to file a claim on someone's insurance and then send them to collections without any follow up. They have destroyed my credit. 

XX/XX/XXXX, XXXX Moved out of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XXXX  reported a loss to my insurance XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened a collections account against me with Hunter Warfield ( Account # XXXX XXXX ) for {$2800.00}. 
XX/XX/XXXX, XXXX XXXX settled the claim and paid XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX assured me that the entire debt will be cancelled with Hunter Warfield . 

Management is refusing to provide copies of all bills communicated to me after XX/XX/2021 or an itemized bill that was assessed for the alleged damages. 
No one contacted me or sent me any form of communication that I still had a balance pending. 
No one cancelled the collections account in XX/XX/2021 when the balance was paid in full by my insurance. 
Today this account is still being reported against me on XXXX with no updates since XX/XX/2021. 
Not only has this issue affected my ability to refinance my vehicle, apply for a mortgage, but now it is affecting my ability to get a rental home. 
Enough is enough, this has gone on far too long and caused incredible hardship affecting me and my daughters. 
XXXX confirmed that the negative item that denied my application is Hunter Warfield ( Account # : XXXX ). 
I don't have 30 days for XXXX to review my dispute and make a decision. this needs to be completed deleted, i should have never gone to collections. I need to find a home for my children within the next 7 days or I will lose my pending job offer! I can't apply to any rental properties till this item is off my credit report. No one is taking responsibility for this egregious oversight that has been detrimental to my life and lives of my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: FL

Complaint narrative:
I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.

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 2022-02-22 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:
I am a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card account ( s ) and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.

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 2022-02-22 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: UPGRADE, INC.
State: OK

Complaint narrative:
Contacted upgrade customer service about a past due balance for XXXX cents in early XX/XX/2022. Agent stated problem would be solved in 30 days and would not effect my credit score. Called back in late XX/XX/2022 after my credit score dropped XXXX  points. Agent stated it was an " autopay allocation error, and it would be investigated and I would be contacted. '' After they reported the " fix '' to the credit bureaus my score only regained about half of what it fell. I was just hit for another deliquescent for XXXX cents and another XXXX points on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The Bureaus are attempting to collect a debt that was already acknowledged as fraud, was removed from my credit report as fraud. The Bureaus have purchased a debt that is identity theft. The original creditor has acknowledged this as identity theft. 


The bureau sent me statements how does this proved that i made these charges and opened this account when it was already proven as identity theft. Then once I send them a letter stating it is identity theft, the bureaus then add this false collection to my XXXX report that it was not reporting on. Sooo in essence, I tell you it's fraud and you continue to perpetuate this fraud by then adding it on more than the bureau it was reporting on? this is illegal. How do you scam people like this, and it is ok? do you think people do not know their right????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XXXX  Violation account # XXXX. In reference to the above account listed, your company is in violation the Fair Credit Reporting Act ( " FCRA " ). The Health Insurance Portability and Accountability Act ( " XXXX " ). I have never received a XXXX release form with my signature authorizing my medical records and private information to be released to your company. I am requesting a copy of a XXXX release form of my medical records and private information with my signature authorizing your company to obtain these documents. ( Medical Revenue 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 2022-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was not late on this account with XXXX XXXX XXXX XXXX XX/XX/2019 & XX/XX/2019, what they are reporting. Both payments were made on time by a XXXX XXXX XXXX XXXX Representative over the phone. I paid this loan off 5 months before the pay off date. XXXX XXXX is reporting 5 late payments to all three credit bureaus which is incorrect. Please have this account removed from the three credit reports ( Experian, XXXX, XXXX Sincerely,

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