vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
I saw an unknown credit card on my credit report from XXXX FORTIVA  XXXX, which I did not apply for. I reached out to XXXX and filed a dispute on XX/XX/23. They completed their investigation on XX/XX/23 and said the account is verified as accurate. I reached back out to XXXX again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the last 4 digits of the credit card which I do not have. The consumer credit report that I received from XXXX doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! 

INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXXFORTIVA XXXX XXXX XXXX XXXX XXXX, GA 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 2023-08-25 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: IL

Complaint narrative:
There is an address reported on my Experian credit report, I have never lived there. I'm afraid that my personal information is being sent to that address. With the amount of fraud, scammers and identity theft going on in the world today, this is very concerning to me. I disputed the information with Experian was told it could not be removed because the address is tied to an account on my credit report. The account is with XXXX XXXX XXXX. Twice I contacted XXXX XXXX XXXX in regards to the matter, XX/XX/2023 and XX/XX/2023. Each time I was assured that the address was not on my account and that they have my current address. The address is still being reported on Experian credit report. I reported the address as fraud. I feel like I'm getting the run around with Experian and XXXX XXXX  Loans. I am requesting all information from XXXXXXXX XXXX be deleted from my credit report, they do not know how to accurately report. I'm frustrated because my personal information is being sent to an address that I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2023 : contacted Chase Bank Credit Card department for a possible fraud case involving my credit card ( ending # XXXX, previously ending # XXXX ). A new credit card with a new number was issued to me after my reporting ( new card ending # XXXX ). My reporting consisted a series of unauthorized purchases between XX/XX/2023 & XX/XX/2023. I informed Chase bank that I didn't make those charges, total {$300.00}. Initially, I was given the credit immediately. However, after the investigation, the credit was removed and the charges were put back to my account. 

XX/XX/2023 : after the second review by the Bank, I was informed by the Chase Recovery Team at Chase ( XXXX ) that I am liable for the charges claimed because those charges were made via the chip. I repetitiously told the Bank that those charges were not made by me because some of them were made in the weekend and on days that I was not at work or off from the office. All those charges were from a restaurant named XXXX. If I was not at work, it's impossible for me to make those charges. Nonetheless, the Bank said they could not be wrong because all transactions made through their chip are perfect and mistake-proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IL

Complaint narrative:
USA bank mortgage told me I was on auto pay and I was all set for the month after the representative on a recorded line never told me it would take a billing cycle to be set on auto pay the representative actual told me I would be all set for next month then I get a flag on my credit report for a missed payment and I never had a miss payment before that show my credibility please help me remove this from my 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 explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a {$400.00} XXXX XXXX XXXX Credit Card with Wells Fargo and I went to XXXX  on XX/XX/XXXX  and was NOT released until XX/XX/XXXX  During the time I was in XXXX  I was charged {$1500.00} for a Rental Car that was returned in the middle of XXXX obviously it was NOT an authorized Charge. I'm not going to pay for a Debt that does not belong to me I have tried to dispute it several times without any luck. Now that the Debt is over 5 years old I contacted the company to notify them that the debt was beyond the statute of limitations in Texas but they still claim it is a valid debt they are reporting to the Credit agencies. 
The Company keeps changing the Limit from {$400.00} to {$1500.00} in an effort to make it appear to be a current debt this has made it very hard to get any kind of credit and has caused me nothing but trouble. The most recent letter in the past month still says that it is properly being reported to the credit agencies. After 5 years I would just like the company to remove the debt from my credit report as I'm unable to be responsible for a debt charged while I was in jail and now that it is beyond the statute of limitations I want it removed.

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 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: FL

Complaint narrative:
Synter Resource Group, LLC keeps calling XXXX XXXX XXXX XXXXXXXX XXXX XXXX to collect a freight bill that belongs to one of the mall merchants. We have explained to them numerous times on the phone and via email that they have the right property wrong address. The Management Office does not accept deliveries for any merchants and is not responsible for this bill. The bill belongs to XXXX XXXX  which had a seasonal store in the mall during the holidays. We have provided Synter the contact information of XXXX XXXX in order to pirsue collection of this debt and asked they cease and desist contacting this Mall Office regarding this debt- which they have ignored and is the reason we are now filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
American Adjustment Bureau. Inc. Is incorporating small debt accounts into large amount in order to post on credit bureaus as a threat to pay. CT. law does not allow posting of debts under {$500.00} to buresus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I dispute multiple things on my credit. Report date is not knowledge to mines still keep appearing on my report.

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 2023-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Frontline Asset Strategies, LLC

Complaint narrative:
The Frontline Asset Strategies Collection agency woman called me on XX/XX/2023 at XXXX from an unknown number listed on my phone as " XXXX XXXX MI '' ( XXXX ) XXXX. The call was 7 minutes long. I did not know I was answering a call from a debt collector. The Frontline Asset Strategies Collection agency woman spoke very fast and forceful in voice tone regarding a debt with my name on it that is a debt between XXXX XXXX XXXX and XXXX that I have case and ticket numbers for in trying to resolve it over the last 15 months. She repeatedly told me the debt is my responsibility and those companies are not responsible and that I need to pay today. When I tried to explain my situation to her about not having any money or income to pay today she said " Well you need to get a job! '' I don't have a job because I care for my XXXX XXXX daughter. When I told her that information she disregarded my situation repeatedly asking me how and when I was going to pay. I attempted to explain to the woman that I would call the company XXXX XXXX XXXX that is responsible for this debt in an ongoing case. I offered my case and ticket numbers and she refused to take them telling me that the debt is my resposibility. The woman hung the phone up on me not allowing me to finish my explanation. Sadly how she talked to me and treated me made me cry as all my efforts I've made to resolve this debt for the last 15 months ; which is not my responsibility at all were disregarded. I think the woman said her name was XXXX but I could be wrong because she was speaking so fast and forceful. I'd like to call Frontline Asset Strategies Collection agency and ask for the woman 's name but I am afraid to call Frontline Asset Strategies because I don't want any trouble or feelings of shame and fear again. I've never been spoken to like that before. I was in shock. My heart is broken hearing the Frontline Asset Strategies woman tell me to " get a job '' when my XXXX XXXX daughter is at stake here and this is a debt that is not mine. XXXX XXXX XXXX is responsible and it's been an ongoing struggle with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: MO

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-25 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: MO

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank Of America has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 Bank Of America has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. Bank Of America has been in violation of the ECOA and Tittl 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. Bank Of America once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. Bank Of America is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. Bank Of America has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would have been made. Bank Of America has FAILED to provide lawful evidence of a Lawful debt and continues to furnish false statements on my reputation hurting my character and Right to Credit for personal and household needs.

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 2023-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2023 my XXXX checking account was compromised with a check that was stolen from my mailbox washed and cashed from my acct. police report filed I contacted bank and blocked acct. 
On this day a scheduled transfer of funds was set up to my Marcus by Goldman Sachs acct. 
Unfortunately it could NOT go through do to the block on my checking acct attached to my Marcus acct. 
2 days later I closed the compromised checking acct and opened a new one. My bank replaced the stolen funds of XXXX XXXX I then transferred to my new acct and CLOSED old checking acct. 
I went to my MARCUS acct to remove old checking and add new one and found out its was locked. I called Marcus and they told me it was closed and no reason given. I tried to explain what happened and they gave me the run around that no one can explain to me why. 
I now have no access to my funds. There is an old checking acct attached that does not exist and there is no way they can transfer my funds back to me! I asked them to reopen so u can transfer funds out of this acct and they would not! I have no access to my funds and they will have to send me a CHECK in order to get my funds out of MARCUS savings and CD. I have read on line that they do this often! This is a terrible business practice and they LEGALLY CAN NOT HOLD MY FUNDS. Please help me. Appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX  I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer rights.

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