vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX  : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this. 

XXXX XXXX XXXX : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: AZ

Complaint narrative:
I received a letter from Wilber & Associates dated XX/XX/XXXX. This apparently is a collection letter. Their client is XXXX XXXX. ( Letter attached ) The letter states I owe XXXX XXXX {$2600.00}. On XX/XX/XXXX I sent a debt validation letter to Wilber & Associates. ( Attached ) I received a letter from Wilber+ dated XX/XX/XXXX. ( Attached ) The debt was not validated. They simply state I am responsible for a person who roared into a parking space as I was exiting my vehicle in a mall parking lot garage. Wilber stated their client, XXXX XXXX believes I am responsible for someone crashing into my fathers parked vehicle. I was not driving the vehicle, it was parked. I wrote a letter to XXXX XXXX on XX/XX/XXXX advising them to contact my father who is the registered owner of the vehicle as their client is at fault for damages to his vehicle and the incident was their clients fault. There were no police reports involved. I dispute this debt of {$2600.00} as I do not owe it. In addition Wilber & Associates does not have a business license to conduct business in the state of Arizona. Obviously XXXX XXXX turned this amount over to collection without sending me any information as to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: WA

Complaint narrative:
Received a cc in the mail in late XXXX from Netspend XXXX that I never applied for. Thinking fraud I went into do a free credit check with scoresense on XX/XX/XXXX and found where this card had never been applied for with my name. I thought that was odd as it showed nothing. Because I checked my credit score I now had to jump through the hoops of canceling XXXX so they did not start billing my cc monthly for there service. On XX/XX/23 after several phone numbers finally reached one that allowed me to cancel the cc but again had to jump through hoops which is why I am filing this because I know it is illegal for a cc company to just send you a cc for no reason

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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
On XX/XX/2022 an unauthorized transaction for {$250.00} came out of my account. I tried to working it out with the merchant in question. They refused. I spent countless hours dealing with my bank and they also acknowledged it was fraudulent and would not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
A lady came to my home to serve me papers. She left them at my door. I got off work and responded the following day by contacting the courts as directed. According to the papers the address they had on file was my XXXX. I haven't lived there in over XXXX years. I have been residing in the state of Texas for 10 years. The courts directed me to contact the company, so I did. the company said to file this report so that is what i am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC Bank XXXX Wi XXXX XXXX XXXX employee of PNC Told me my mother set up an account that she wanted me to have after she passed away XX/XX/2012. 

XXXX formed me person to person that the money was not in the account anymore. 

I didnt know about the account my oldest sister XXXX XXXX XXXX did and possibly my oldest brother XXXX XXXX XXXX who were to over see the final requests of my mothers after she died. 

To this date I cant get it rectified with my siblings or PNC bank XXXX I no my sister was aware of the account she got angry with me when I questioned her after speaking with XXXX XXXX then. 

Where did the funds go! I was speaking with XXXX about car loan information that day and she informed me that the account was set up and I believe she knew the amount but said it was empty then. 

Then didnt say anything I immediately called my sister in Arizona to speak about it and XXXX XXXX XXXX XXXX XXXX XXXX  for finding out the information on that account telling me I wasnt to have learned of the fact. 




XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XX/XX/XXXX, as a good debtor, I made arrangements with Chase Card Services to make a split payment in XXXX on the XXXX and XXXX, an auto debit {$99.00}. On XX/XX/XXXX, paid manually {$190.00}. They auto deducted on XXXX, but something got messed up on their end because it said it went through find on my bank account but they claim my bank sent it back. On XX/XX/XXXX, they did the auto deduct of {$99.00} and say the bank sent it back on XX/XX/XXXX. My branch manager says they never actually tried to pull the money. It showed after XXXX where the {$99.00} had been taken from my account and was clear. Rather than them admit something got messed up on their end, they suspended me from using my ONLY checking account to pay them. They DO NOT give any other payment options, nothing. Their phone people WILL NOT accept anything less than the total payment amount due. Even though every month before XX/XX/XXXX, I had paid them on time no issue. They won't take any amount. They are making it impossible to pay them. They want me to go to the bank to pay them, but my work hours are not conducive with getting to the bank. So, they are making it IMPOSSIBLE TO PAY THEM, giving me the run around. This looks like Predatory Lending at its finest. They have BLOCKED my checking account but then want to keep calling me demanding a payment, when I have no way to send them money. 

My credit union SENT the fax that they asked for on XX/XX/XXXX, I responded to their paperwork and sent it out ASAP as they asked me for. They STILL have not fixed it and are threatening to permenantly block me from paying them from that account. I pay EVERY other lender out of that account problem free. My check goes STILL to that account. So, if it is closed, why am I able to pay everyone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TX

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 convictions of crimes 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 that the information is inaccurate.

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 2023-01-16 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: NY

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 convictions of crimes 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I reported about XXXX fraudulent transactions I discovered on my account all charged by the same vendor. The Chase website told me to call a phone number and report the fraud. I did so immediately. While speaking with the customer service representative, I learned that there were an additional XXXX unauthorized charges on my account dating back to XX/XX/XXXX. I asked him to submit every single charge from this vendor as fraud. He agreed to do so and then asked me to dispose of my credit card as a new one would be sent within XXXX days. I never found out the exact amount of the total charges but assumed Chase would have to also deduct interest paid, etc. I was told that a provisional credit would be issued immediately. Today is XX/XX/XXXX. I have received neither card nor credit. I have called the bank XXXX times this past week and also have sent several emails. I keep receiving the same response which is that the bank is going to escalate my dispute to the next level and I should have a resolution with XXXX hours. In the meantime, I have repeatedly checked the dispute center online and I always receive the response that I have no disputes pending. Today, I called the Fraud Resolution department XXXX more time. I found that the initial fraud I reported was never disputed. The bank did find at least a portion of the older charges to be fraud and I was promised the provisional credit in another email received this morning. The woman I spoke to today finally reported the original fraud charges I reported from XX/XX/XXXX to XX/XX/XXXX. I asked her what the credit would be for just the most recent XXXX fraudulent charges. She gave me an amount that was over {$400.00}. I did not ask about the other XXXX charges but I imagine there must be around {$1000.00} that was stolen from me. Again, I was told I would immediately receive this credit. XXXX hours later, my card balance remains exactly the same, no charges have been removed and Im still paying interest at a very high percentage ( 26 %? ) while Chase prolonges this process. I do have a XXXX and can not work. Thus, I have a fixed income from XXXX monthly. Chase is well aware as I disclosed this on my credit application. My bill is always paid early each month and Im infuriated about the lack of response. I am convinced that my status as a XXXX XXXX is behind Chases slow and illegal processing ( as per my signed agreement with Chase ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX Companies have dropped my score twice for the same reason using the same evidence. They have yet to produce the evidence and have dropped my score a total of XXXX points on XXXX separate occasions without proof. This seams a XXXX matter or a pay-back for a legal claim. The company states they have XXXX hard hits. I want a list of the name 's dates for the XXXX hard hits for both times because they did this XXXX times in an XXXX time span. I worked a rebuild my score preparing to apply for a mortgage so that I could move from the place I was living. I have been very ill therefore I was returning to work off of a XXXX XXXX. My employment status was parttime, so it was very import that my score had to be perfect. I would have never applied for XXXX of anything. I AM REQUESTING THE PROOF THAT WOULD CREATE THEM TO DROP MY SCORE TWICE AND HURT MY DREAM OF GETTING A HOUSE. I am in the window of opportunity ; this is criminal and a violation of my right to live as i have work so hard. I can't wait weeks for this corrective action. This was wrong and I want to see the LIST Names and dates for both of the drops that have been charged against me. THIS IS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NY

Complaint narrative:
I recently pulled my credit report and found the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( 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 instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.

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 2023-01-16 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo worked out a payment arrangement when they added deferred interest on a charge account for a furniture store. They agreed to waive interest and allowed us to pay the XX/XX/XXXX payment by XX/XX/XXXX. They assured there wouldnt be any late payment reported on credit report. However they did report report after the account was paid in full the first week of XX/XX/XXXX prior to the date they set. My wife and I called them several times with assurances they would take care of it removed from all three credit bureaus. Each time we received a letter stating they must report to credit bureaus due to being compliant. No one would get us in contact with the department that will remove it. They only would say they would have it removed by the department. We have submitted disputes with all three bureaus with no luck several times. I know its our word against theirs but I assure you the truth is they are in the wrong. We are trying to get a house for our family and when this first hit my credit report it dropped me just shy of 100 points. Im told that once the 30 day late is removed it will jump my score 60-80 points and will allow for the lowest rate possible. Im pleading for you to step in and have this 30 day late removed from my report on all 3 bureaus. Thank you.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I evaluated my credit report and realized Experian is reporting my name wrong. There is many names reported and they need to be DELETED. I will provide the names and name id 's to be deleted. Also, I will provide a screenshot of my utility bill to show you how my name should be reported. 

Names To Be Deleted 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, On, or around XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX tax return of {$1000.00} & {$830.00}, respectively, went to the wrong Chase bank, checking account number as follows : XXXX XXXX XXXX XXXX XXXX XXXX Also, my IRS tax return from XXXX, which was routed from the IRS through XXXX bank in the amount of {$3300.00}, went to the same incorrect chase bank routing and account numbers as above. This XXXX transfer occurred on our around XX/XX/XXXX. Please note, I have called, sent return requests, filed claims and sat down with a few bank managers to get this matter resolved to no avail. All the proof is very evident that these are my funds and need to be returned to my account immediately with interest. This has been an ongoing and unresolved issue since XXXX of XXXX! 

Please note below the correct bank info., My info is below. 
My chase bank account number, which is where these monies should have been deposited is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Any other questions, please contact me via email, XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: GA

Complaint narrative:
IN accordance with the Fair Credit Reporting Act, the list of accounts below have 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

Company response to consumer: Closed with explanation