vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 XXXX formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX violates 809 Validation of debts, XXXX violates 812 Furnishing certain deceptive forms, XXXX violates 807 False or misleading representations. XXXX HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal 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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received an deposit of {$12000.00} from the XXXX government agency on XX/XX/2023 to my PNC Checking account and on the next day on XX/XX/2023 they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for XXXX weeks. I called PNC customer service 4 times on XX/XX/2023 and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the XXXX agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. I need this issue resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Today ( XX/XX/XXXX ) I placed my fourth call to Franklin Collection Services. Previously I contacted XXXX XXXX XXXX to dispute this derogatory information. XXXX XXXX XXXX tells me that I have to deal directly with Franklin Collection as they have taken over my account. The account being an XXXX account in the amount of {$490.00}. On four separate occasions I have called Franklin Collection and each time the representatives that I have spoken to have been EXTREMELY rude, especially XXXX XXXX ( XX/XX/XXXX ). I was able to determine that the address they have for me on file is not mine. I have sent in a lease agreement and also a police report to confirm that the information they have is not me and is a result of identity theft ( XX/XX/XXXX ). They do not care and instead of being receptive to the information that I sent and finding common ground I am meant with hostility, sarcasm, accused of doctoring a police report, etc. I am not willing to pay for a debt that I do not owe. I have been diligently working on my credit in hopes to purchase a home. I have had credit issues in the past and have to pony up the money the money to pay collections, and get my accounts into good standing. I have no problem doing this, but only accounts that are mine where I have incurred the debt. 
When I spoke to the representative XXXX today she told me to " hold on tight because they have 60-90 business days to investigate ''. This has to be illegal. I will fight this tooth and nail.This is not my account. Franklin Collection is unwilling to discuss professionally and instead resorts to rude snarky and threatening dialogue. I mentioned to XXXX XXXX that I was trying to purchase a home and she said with collection amount like this it is unlikely I will get a house. Who are these people? I will not be bullied or talked to like this, finding out that an unauthorized account was opened in my name is hurtful enough.I will not continue to be victimized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are fraudulent and do not belong to me. please remove off my credit reports

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 2023-01-12 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: EQUIFAX, INC.
State: DC

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 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 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Self Financial Inc.
State: TX

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 US 1681 Section 602 A : it states a consumer reporting agency can not furnish a account without my written instructions.

15 US 1666B A creditor may not treat a payment on a credit card account under an open end costumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
It was in XXXX of 2015, the amount was {$10000.00}. I was asked by a person if I could be a co signer, I didnt know much about any of that yet but i said Ill go in with them to see, I gave them all my information but at the end they said I couldnt co sign because I didnt have an ID. The person was still able to get the car but I just figured they were able to get it without me. Years later i as learn more about credit I see I have an auto loan from credit acceptance from XXXX of 2015 for amount listed above I contacted credit acceptance and told them I shouldnt be held accountable for the remaining balance of {$7800.00} because I was told without an ID to confirm who I am XXXX XXXX ( car company ) said I couldnt co sign but not only that I was suppose to co sign but they put the ENTIRE thing in my name. So Im in charge I didnt even have a XXXX ID so it shouldnt have went through

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a dispute claim with XXXX Credit Card issuer Elan Financial Service, the date of dispute XX/XX/XXXX for XXXX in the amount of {$730.00}. Since that date of opening the claim, the company XXXX Credit Card/Card Member Service/Elan Financial Service never requested supporting documents. The date of XX/XX/XXXX the case manager XXXX, called back from a spam phone # XXXX, stating that the XXXX claims department, had submitted supporting documents that says otherwise from what my claim was. I advised XXXX that I have supporting documents that support my claim, she advised if she did not received documentation by the end of business day of XX/XX/XXXX, she WILL close my case and I can take my matter somewhere else, I was appalled by the way of ethics they manage their claim process, I tried to explain that they are not allowing a reasonable timeframe for someone to provide supporting documentations, XXXX stated that it does not matter to her, if the supporting document was not received by XX/XX/XXXX, she would closed the case. I had to pay {$8.00} to have the documents fax as they requested. I called back and asked for a Supervisor to call me back. On XX/XX/XXXX I received another call from the same phone number by a Supervisor called XXXX, she has no idea why I requested the call back, & that they received their documentations and that was the end of it, when I asked about their ethic handling of their claims and threats, she just stated we do what we do and that is all. When she was asked if she listened to the call from the previous rep, her response was " we do not record those calls ''. Which basically means the handling of the call from either of them have no repercussion because they can say whatever they want without anyone listen to their handling of calls. When I asked if this was their way they conduct their case management process & their response was that once again, they do what they do.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime Dispute Claim ID : XXXX XXXX XXXX XXXX I authorized a one time payment using my chime account via XXXX XXXX XXXX XXXX XXXX for the dollar amount of {$300.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After NEVER receiving the item no tracking information and no contact from the merchant I filed a claim with chime for the total of {$300.00} Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Chime has denied my claim 2 times sending me emails stating Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I have filed a police report and provided the police report number to chime where chime states they never received the documents however upon sending the police report number chime sent me a email stating documents received. 
I also have the police report information directly to the chime support member that answered the phone. 

Police Report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reopening my claim within less then XXXX hours chime has closed my case and sent the email stating Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed I have provided ample proof and documentation that I NEVER received the product and was scammed & chime is refusing to refund my money and has yet to send me the documents used to come to a conclusion to deny my claim. 

I have filed a complaint with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have notified Jpmcb of the continued disruption of my financial health due to identity theft and fraud they have did nothing to get rid of the fraudulent XXXX debits coming for my account the fraudulent cash app transactions and as well as debit card usage I dont even know what to do moving forward at this point as it stands I owe chase just a little under XXXX XXXX which I find completely ridiculous since they failed to protect my account from fraud I Demand that the fraudulent transactions be removed from my account immediately and that they clarify on where the fraudulent credit card has been open I have only ever had XXXX not XXXX credit cards with chase and the credit card that I do have from chase is riddle with fraud and they refuse to take care of the issues please help me get all this fraud off of my chase account and get it reopened I can provide a police report if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I had a Kohl 's charge opened in approx. XXXX. The original credit limit was XXXX. The company unknowingly raised my credit limit. After I asked to have it reduced, they refused. During this call I also noticed that my card had been used in a fraudulent manner for {$800.00}. I had discussed this issue with the creditor, however they did not fix the issue but rather sent my account to collections after multiple attempts to rectify the situation on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
Colonial Auto Claim they were giving my consent to furnish such inaccurate information on my consumer report. The so-called proof that's provided isn't Verification or Validation due to the fact that you are a debt collector aka non-affiliated third party and you also have my non-public personal information which is identity theft. I never gave you the elaborate mechanism written consent to use my personal information. That is violation of my privacy. According to Tila ( Truth in Lending Act ) aka Regulation Z you are in fact in VIOLATION due to unlawfully furnishing inaccurate deceptive information knowing such furnishing would create false beliefs, Also there are plenty of violations within the contract lets like the down payment its against the law to mix a consumer credit transaction with Cash. Apr as well not supposed to go past 10 %.

Also what securities were given to your corporation?

The extra charges as well any extra charge such as : shall be within the finance charge. The finance charge includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the CREDITOR as an incident to or a condition of extension of credit. So who's credit is it really?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase gave me an offer through their banking app for a chase slate card saying it was already approved and then declined my application after I accepted. Now I have a hard pull on my credit report and didnt even get the credit card. Chase has refused to help. They are lying to consumers in order to increase credit card application rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One closed my longstanding credit card account on XX/XX/XXXX due to inactivity in the past 5 years. They claim to have sent a single notice in XX/XX/XXXX, which I do not have a record of receiving. I called their credit card support line on XX/XX/XXXX and their credit account specialist was not able to restore my account or create another account under the same terms as the closed account.

This has damaged my credit score by reducing my available credit and put future credit application in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
I had a credit card with XXXX XXXX. I went through a hard time personally so I entered into a collection agreement with a law office that I believe XXXX had assigned names Zwicker & Associates. The agreement was for 1 year. The settlement was for XXXX XXXX  XXXX in the amount of XXXX$480.00}. The total was {$5700.00}. 

I have proof on my XXXX  account that I was paying them for that year. XXXX still has it on my credit report. I need help in order to get this off. I did my part but it seems that no one is trying to help me. I even tried disputing it through XXXX. 

I also called the company and they said that there was no contract to forward me to review. This made me think they were trying to scam me. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX around XXXX I made a check and cash deposit at the ATM, I have made big deposits before so I have never had anything like this happen to me. 
When I deposited the checks everything was okay but when I made the cash deposit ( {$700.00} to be exact ) the machine locked up and the screen went blank and asked me to call PNC. I waited at the ATM until I got a representative on the phone to see if they could send someone out to get my money. They advise me I could leave and that the money will be counted and replaced into my account. Come XX/XX/XXXX PNC then takes the {$700.00} out my account saying no error was found? 

I called my local branch they are getting the escalation department involved but in the meantime the customer service rep files a second dispute. 

On XX/XX/XXXX after XXXX of playing phone tag with the escalation department I am then told since the second dispute has been filed we will need to wait for the outcome. PNC bank has access to all of my information and now I feel like they are holding my business funds and this is not okay. I also have to wait an additional XXXX days for this outcome. I need to report this bad business practice so others can know what to do it this happens to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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