vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I have tried to work with the Upgrade to get back the {$200.00} that I reported to them that was taken from my account when the withdrawal did not even occur. I reported an ATM withdrawal error and have not received a refund. I would hope they could resolve this and get the funds back to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: CITIBANK, N.A.
State: MD

Complaint narrative:
1st dispute was on XXXX for 6x large coats which I never receive & it was going on 2-months i wrote citi bank twice because they ask me to about the dispute & the only thing they had to do was get the merchant to send me the return label because the merchant stop taking my email & phone calls i had cancel after they lied about the delivery..then citi lied to me & said I had to pay 1st on the dispute & I will get my money back so I paid all three dispute $ XXXX, ,etc..the second dispute was on XXXX for XXXX for XXXX & the third one was on XXXX XXXXXXXX XXXX XXXX XXXX  etc. for XXXX, ,Then citi ly took my money & paid these lying people etc..Then I cancel my card & told then I am going to report your for stealing money etc..

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 2023-05-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-05-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian once again has went over 60 days of their investigation. two investigation case number XXXX and XXXX both times it was not completed. my complaint date was XX/XX/2023 they responded XX/XX/2023 these accounts should be deleted XXXX XXXX XXXX acct XXXX, XXXX acct # XXXX, XXXX addresses

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 2023-05-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected as soon as possible.

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 2023-05-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I received an alert from my credit monitoring company that my score has dropped due to a new negative account from Direct Management reporting on my credit. I have no knowledge of this collection account and I do not have a joint account with XXXX XXXX XXXX XXXX. I was added as an authorized user but I have never had any access or had anything deposited ( paychecks, income tax, etc. ). 

Delete immediately form all credit bureaus Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also No permission to report anything using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: LA

Complaint narrative:
To whom it may concern The late payments status on my credit report are invalid and inaccurate. I have requested credit reports agency. Credit Bureau fail to verify inaccuracies.I have not received supporting verification of documents of being late on account This a violation of 15 usc 1666 b Please delete the inaccuracies. 

XXXX XXXX XXXX  date XX/XX/22 XXXX XXXX XXXX Date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I use to have an account with Wells Fargo Bank and the made many charges on my debit and credit card and never solve the issue, I ended closing my account and a few months later I started receiving letters from the same institution saying that my account was overdraft, I went to the bank and the person who helped me out said that the manager open another account under my name, that was with out my authorization. 
I also had a credit card on those times and they sent several bills to me, I was scared so I paid those bills to the bank but now I read about all this issues, I would like to file a complaint. 
Thanks for your attention. 
Looking forward for your response. 
And thanks for your help. 
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 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There were numerous times I would be charged multiple overdraft fees when in all actuality there was only one transaction that I should have been charged the overdraft fee charge for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I was at a medical clinic for a check up on my health when I got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The doctor called an ambulance when I was in this state of XXXX XXXX XXXX XXXX XXXX. The ambulance arrived while I was still in and out of awareness and took me away to the hospital, less than a XXXX mile away from the clinic without my approval. They also didn't contact my wife to make her aware of them moving me to the hospital or of my condition until I was already loaded on their ambulance. 

Having moved to XXXX  from XXXX I am very aware of how organizations like XXXX charge insanely exorbitant fees, in this case it appears to be over {$2000.00} for this ride. My insurance paid what they deemed acceptable for a ride like this, {$500.00}, and now XXXX is attempting to extort money from me that my insurance wouldn't cover. All this without me approving the ride, or being in any condition to approve of any ride in one of their ambulances. I would never had approved of the calling and then the transport to the hospital because of their reputation and the notorious fees they charge..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to violate my federal consumer / civil rights. 

I have written multiple letters to Experian about errors on my reports and they ignored all of them past the 30 day federal requirement. 

Recently Experian has ignored my request for arbitration. Experian continues to report inaccurate information on accounts by federal law they are required to delete from my credit report. 

I have spoken to civil and federal judges in my state of Texas and to multiple consumer attorneys who are wanting to take up a case against Experian. 

The attached USPS receipt will PROVE I sent the arbitration request and an online search at USPS will show XXXX RECEIVED the letter. Dated XX/XX/23! 

I followed Experian 's ONLINE guide for Arbitration request.

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 2023-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is violating my consumer rights. 

I have sent a request for arbitration and XXXX has so far ignored this request. 

I followed the steps online to start the arbitration and they have since ignored my request. 

Equifax violated my consumer rights by refusing to respond to written letters and only responding to CFPB complaints. They violated federal law stating that if they do not reply within 30 days of a complaint about specified accounts, the accounts under federal law are to be deleted. 

I have already spoken to XXXX about Equifax 's blatant violations of federal law. 

I have attached original copies of sent letters and usps receipt from arbitration request mail For over 1 full year Equifax has violated my federal consumer rights every change they got. I have written to federal and state / civil judges and to multiple attorneys who all have agreed with my evidence that Equifax is in the wrong. 

I demand justice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/23 I received a call from TransWorld ( XXXX ) wanting to know why I had not responded to letter sent out in XXXX and XXXX of this year regarding a debt of {$16000.00}. 

I replied that I had not received any. She checked her records and apparently the information was not sent to me but to my Renter. I immediately asked for a digital copy of ALL the information sent to the third party. The Rep said a supervisor would call me tomorrow. 

I also said I had written proof that their client XXXX XXXX XXXX had agreed to a settlement from the insurance company and that they had been paid. I also explained to the rep that the insurance company said if XXXX XXXX XXXX feels they are owed more the need to resubmit. 

XX/XX/23 I did not receive any contact from the company so I emailed them with the same information. 

XX/XX/23 Called and spoke with XXXX and retold my story she said she would transfer me to a supervisor. I was disconnected during the transfer. 

XX/XX/23 Called back and with XXXX who said she would transfer me to her supervisor, XXXX, but again I was disconnected. 

XX/XX/23 Called back and spoke with XXXX XXXX who said she would transfer me to her supervisor but the number just rang with no voice mail option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: MA

Complaint narrative:
This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries 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 2023-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
The interest rate is ridiculous I give XXXX for the car after interest rate it's 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 2023-05-14 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank closed my Paypal credit card account, stating that my credit score has dropped. I monitor my credit closely and it hasn't dropped recently. I have not missed a payment in my entire adult life.

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 2023-05-15 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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Due to Crypto.coms incompetence and inefficiency and ability to run their platform to the public as promised, my access to my own money is not available and I was not able to do business because of this and they cost me {$3000.00} in addition to the {$4100.00} which is mine to begin with for a total of {$7100.00} .I keep contacting them, and they keep giving me excuses as to why I cant have access to my own money and prevented me from doing business. Now I am at a loss because they can not do their jobs and make their platform work as promised to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My wife and I filed for a deferral payment option in XX/XX/XXXX due to the wife having XXXX for a XXXX  and our insurance not covering all the costs. 
Once they connect you to the correct department to discuss the deferral option, They run a check to tell you your account will qualify, After they told us our deferral was APPROVED they emailed us an agreement to sign. Once the document was signed, we emailed it back to a XXXX XXXX on XX/XX/XXXX at XXXX, he then responded only moments later with " I sent it over for processing ''. We assumed all was ok, until My wife went to pay our account online through their portal this month. Once my wife saw something odd online, she asked me to call. Once calling and entering my info, they transferred me to collections dept, So I knew something was off. They instructed me that my payment is past due. I said no it is not!! Look at our account, it's always paid as agreed. They instructed that our payment was late since XXXX, and that our deferral for XXXX did not go through. I asked how is this possible when they ( XXXX ) told us it was approved, the 1st collection rep I spoke to said well your document wasn't signed. I reminded him that was looking at the actual email with the signed document attached to it with their representative, XXXX XXXX name attached to it, the representative was unresponsive and unwilling to answer any further questions, I went through this with 3 separate collection agents from Nissan, with the last one saying he was the lead supervisor and there was no senior advisor above him. He only stated his name as XXXX with ID XXXX XXXX was not able to answer why the deferral was rejected, when they explicitly tell you, your deferral has been approved and walk you through the process of sending the actual document. He then proceeds to go through the same process again, make a payment now, and we can defer your next payment, so you are not late. I then stated, why would I set up a deferral option when you didn't honor the last one to begin with. 
I again and repeatedly asked for his supervisor, he was unwilling to give up any information to solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: VA

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