vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXXXX/XX/XXXX{$4100.00} unpaid and have humiliated me when applying for 47 banks and being denied this is truly defamation. just got off the phone with XX/XX/XXXXXXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
my address on my report are wrong XXXX XXXXXXXX XXXX XXXX Ca XXXX i never lived in california alos this address XXXXXXXX XXXX XXXX XXXX. new XXXX XXXX XXXX the hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the sof inquires are as follows 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 non-monetary relief
Consumer complaint received 2022-10-12 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: VA

Complaint narrative:
I applied for a dispute of an inaccurate and and wholly false information on my account and TransUnion refused to remove it. They have shown no proof of why this account is true and accurate. I have never heard of their company that claims that owe money to XXXX. I have closed that account which was in good standing when I did.

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 2022-10-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After reviewing my accounts and statements, I noticed several charges from 2 or 3 different merchants but all being ran through XXXX. I contacted Chase Sapphire and gave them a list of unauthorized charges, this was over 30 days ago. These charges are NOT disputed purchases of some kind. These are complete Fraudulently charged charges. I never ordered any service, purchased any goods or signed any contract with these merchants. It has been over 30 days and I have received no credit, no response or any type of correspondence from Chase Sapphire. Usually if there is a fraudulent charge on your credit card then Chase would reach out to the merchant and have them provide some sort of proof for the transaction, a copy of an invoice, receipt, contract, or anything to prove this was valid. This shouldnt be that difficult, now that I have paid chase for these charges they are giving me a hard time and thr run around. They advertise XXXX  % liability for fraud on your cc, that is false advertising. There is absolutely nothing these companies will send to prove any transaction took place. This is all out fraud and the my own bank should have immediately credited my account. These charges exceed {$70000.00} that I have paid Chase Sapphire, I have held my account in the best standard over the 6 years I had it, I would pay the card in fullany times. Not once have I had a dispute or an issue until I discovered these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was XXXX XXXX XXXX from XXXX to XXXX therefore I could not make any payments or let kohls and child support and XXXX XXXX know until I was XXXX. Im trying to fix my credit and these negatives are affecting my score big time. I tried to dispute all three to get them removed because Ive paid all off. Please help me fix my credit. Also capital one closed a credit card on me today because of my XXXX XXXX 7 years ago. How can one fix credit and rebuild life if no one will help? Im not sure if them closing my account will affect my score but it wasnt right. I dont know what else to do to help me score. Please help me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/22, there were 18 fraudulent withdrawals made on my savings account from two Chase branch ATMS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) 8 withdrawals of {$20.00} each 4 withdrawals of {$40.00} each 4 withdrawals of {$100.00} each 1 withdrawal of {$200.00} 1 withdrawal of {$500.00} Total : {$1400.00} I immediately reported these transactions as fraud to Chase that same day ( I am a customer ) I also filed a police report with the XXXX Police Department. Chase denied my claim, as according to their records, the transactions are listed as coming from the XXXX XXXX on my phone. I was home that entire day with my phone and debit card and have never lost or had my debit card or phone stolen, nor have I knowingly given anyone else the log in credentials to my phone or debit card info. 

I have worked with Chases complaint escalation department and they continue to refuse to refund this money. I have also gone into the branch at XXXX XXXX XXXX XXXX and had the branch manager speak with them. Chase has also have refused to review the surveillance footage ( that they own ) from their ATMs where this theft occurred. They have told me I need to work externally to get access to this. If they reviewed the surveillance footage they would see that it wasnt me who made these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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: PA

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS XXXX XXXX XXXXI acct # XXXX {$300.00} XXXX XXXX acct # XXXX {$920.00} XXXX XXXXXXXX acct # XXXX {$300.00} XXXX acct # XXXX and XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXXXXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX XXXX, ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX Balance : {$120.00} ), XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was fraudulently sold an XXXX XXXX XXXX phone at a local XXXX on XXXXXXXX XXXX. I only use the inexpensive XXXX XXXX XXXX XXXX mobile service. I wanted the {$190.00} XXXX under this plan. I made many attempts to resolve this with XXXX XXXX XXXX customer service representatives. Finally, on XXXX XX/XX/2022 account, XXXX, associated with XXXX cell number XXXX, was cancelled by an XXXX XXXX XXXX fraud representative. A prepaid mailing card was sent to me st the same time. The tracking label shows XXXX XXXX XXXX  received the XXXX on XXXX XX/XX/2022. XXXX XXXX XXXX still illegally accessed my bank account several times after XXXX XXXX taking {$94.00} out twice and {$120.00} one occasion. My banks fraud department recovered all the unauthorized XXXX XXXX XXXX debits to my account. 
In early XXXX, I received a notice from the CREDENCE RESOURCE MANAGEMENT LLC, a debt collection agency. They are trying to collect {$910.00} from me for an XXXX XXXX XXXX XXXX account ( # XXXX ) that was closed on XXXX XX/XX/2022. I called Credence after receiving their letter to dispute the debt for an account that had been closed and a {$910.00} phone that had already been returned on XXXX XXXX. These facts were ignored, and their spokesman told me that if I did not pay, it would ruin my credit. That I had to pay them the money. A second call was a repeat of the first. I was given 30 days to send them money I did not owe XXXX XXXX XXXX. 
XXXX XXXX XXXX continued to harass me with calls from " The President of XXXX XXXX XXXX XXXX Office. Voicemail messages sounded like it was a teenager calling. XXXX XXXX XXXX also has deliberately made it difficult for me, still threatening me to pay {$30.00} a month, for 5 years, until they receive complete payment for a phone already in their possession. 
CREDENCE has sent me two forms with a deadline, or it will ruin my credit. This is complete fraud. Texas Attorney 's Office has sent me a form to report CREDENCE. As well as XXXX XXXX XXXX. 
I do not need the intimidation that is being used to take money from me due to a fraudulent sale by an XXXX XXXX XXXX employee. Essentially he tried to take {$1300.00} without authorization. I never signed anything, it was purely bait and switch. 
I need help with CREDENCE. There is no reason for them to try to intimidate me into paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
XXXX XXXX, try to collect a debt that's not owe. Actually, XXXX owe me {$2600.00} in exemplary punitive damages. I return my XXXX XXXX to XXXXXXXX XXXX which they receive and never issue a return. 

( Ga. Code 16-8-12 ; 17-10-3, -8 ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( Ga. Code 51-10-6 ( 2020 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I received the 2 small deposits and withdrawals from my bank account. When I tried to verify my account it says that my bank is not in network. If thats the casewhy were you able to deposit and withdraw from my bank that is not in your network??? I am not opening another bank account for this nonsense. I will find another card if this isnt fixed!! Kind of seems like fraud to me. If this problem cant be fixed on YOUR end ( no I am not jumping through hoops with my bank ) please cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$580.00} ) Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-12 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: NC

Complaint narrative:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIANXXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I got a letter in the mail for a Civil Action Information Subpoena, and I mailed back the questions they requested. On top of the letter it states that " Failure to Comply with this information subpoena may result in your arrest and incarceration '' It is for XXXXXXXX XXXX their attorney sent this letter. I called my Superior court to get information on this and spoke with someone there about it. They told me a Judgment has already been filed and i never submitted a answer to the court and they already entered it against me. I never got any letters from the attorney saying they were going to take legal action and I was never physically served any paper work or signed any certified letters. I never got anything saying I had a court date and never received a complaint or anything telling me to file a answer with the court. I would have filed an answer if I was sent the correct documents stating I needed to. They are saying they are going to garnish my wages. The account was charged off and I have not since heard or received anything regarding it. I also wanted documentation showing my agreement and that I owe this debt so I will be requesting a debt validation letter. Also it states that I owe {$2300.00} plus costs of which {$2500.00} together with interest from XX/XX/2018. I am unsure how I owe more money on debt that was charged off, and my account is closed. I was never notified of having to pay any Judgement and was never told there would be added interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NM

Complaint narrative:
Hello. 
In XXXX I started at XXXX XXXX. I was in the military, and had to apply for multiple student loans. I paid them as much as possible, and it was over & beyond the GI Bill. I got out of the military, and graduated with an XXXX in XXXX. 
I had a hard time getting a job due to the degree. Employers didn't view my degree as a legit degree. XXXX never told me I would have such an issue. 
I eventually moved out of state due to cost of living, and had to start putting my loans on forbearance & deferment. I had taken out Federal & private loans. XXXX encouraged that. 
In XXXX XXXX went under due to fraud. I was told to apply for Borrower Defense. I did. 
I waited, and waited, and waited. I'm still waiting 6 years later. 
Every time I call, they say it's processing. In the meantime it's on my credit- and it's affecting my debt to income. 
I've complained, but I'm never heard. 
Typical time for Borrower Defense is 36 months. I know people who have applied and it was resolved in 6 -12 months time. 
Now the government has announced that anyone who went to XXXX will have their loans 100 % forgiven. There are lawsuits going on involving Borrower Defense & XXXX. 
But there's no communication with me about it. The government has said that loans will be 100 % taken care of, and even repayment for monies spent. But letters went out back in XXXX, I never got one. 
I don't know if there is anything you can do, but, I need help. 
I am hoping you're able to. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2022 a XXXX  transaction took place without my authorization someone stole my password an made an unauthorized transaction

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 2022-10-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation