vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I paid rent in full {$490.00} to XXXX XXXX XXXX, XXXX XXXX, TX on XXXX XXXX. However, they still referred to IQ Data international. I told IQ that I had already paid in full, but they still called me constantly. Then they even reported to it XXXX. So, My credit score decreased. Now, I have claimed to dispute, but XXXX did not settle down this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klarna AB
State: AR

Complaint narrative:
Pursuant to 15 usc 1692b XXXX is a 3rd-party debt collector they've stated I owe an alleged debt to Klarna. I've never done business with this company, but they are trying to acquire an alleged debt. 
I've never done business with neither company this alleged debt arise from. 
XXXX has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. 
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with XXXX  Pursuant to 15 usc 6802 Klarna has violated my rights by providing my personal information to XXXX XXXX is also in violation of 15 usc 1692c because I XXXX XXXX did not give XXXX my consent to communicate with me about alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased hearing XXXX on XXXX from XXXX XXXX. The cost was {$5800.00}. We were told by the salesman that we had XXXX XXXX XXXX XXXX for the XXXX XXXX with mo interest or added penalties and that we could pay them off in a lump sum at any time within the 12 months. 
We decided to pay them off on XXXX. 
We called Synchrony XXXX XXXX and were told we now owed {$5800.00} because we had not been making monthly payments. I used my credit card. The transaction did not go through because it was such a large amount and our bank suspected fraud. We reassured the banker that this was a legitimate transaction. 
We immediately called Synchrony XXXX XXXX right back to complete the transaction, at which time we were told that the cost of the XXXX XXXX was now {$5800.00} because a {$25.00} penalty had been applied to the price in the last 15 minutes. 
We were on the phone with XXXX for an hour complaining about the extra {$25.00} but to no avail. 
We finally just paid the {$5800.00} to be done with this shady organization. 
This bank and credit company is a nightmare!

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX. 2022 JCPenny CARDS Recently the card company decided to reduce my credit limit on my card resulting to a drop in my credit score. I wasn't given a notice, I have no late payments, theres no outstanding balance on the card, and I used the card over a year ago and paid the balance off. What makes matters worst I called for a credite increase several times with no good explaination. The bank service Synchrony has several accounts with me with high credit limits. But JC Penny refuses to increase my limit.

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 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have received numerous calls nearly daily from a debt collection agency Portfolio Recovery. I don't owe anybody anything. I have blocked every phone number they have used, but it appears they are spoofing numbers from all over the country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Creditor contacted XX/XX/2022. Amount listed owed on credit report is the wrong amount ; entered into an agreement on a lower amount with two payments made in XX/XX/2022 ( {$49.00} and {$50.00} ). Current balance is {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I have two accounts being reported by NCA incorrectly. I disputed the accounts with them directly as I do not recognize them as mine. Upon calling NCA for more information, they advised me these accounts were opened in XXXX. However, they are intentionally reporting the open date as the date they received the accounts in their office ( XXXX ). This is making a significant impact on my credit score. I have attempted to speak with them, as well as disputed the reporting through XXXX XXXX with no avail. I dont understand why this is allowed, so that not only does it have more of an impact on ones credit, but they are also able to report for far longer than they should be able. I want this fixed immediately. As well as docs to prove these accounts are even mine in the first place, as I have never taken out these loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Comenity Bank ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated. 
15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated Comenity Bank ( XXXX ) has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by XXXX, XXXX and XXXX. 

I have called Comenity bank of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Take the XXXX auto account off my consumer report its not suppose to be shared let alone displayed on my consumer 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 2022-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I was told by the dealership that I had to put a down payment of {$10000.00} in order for the bank to fiance the XXXX. I call the people who fiance the contract and I was told by them that they dont require a down payment and that was the dealership doing. I was explaining to them the violation of TILA. 15 usc 1605 ( c ). I had to pay for insurance before I could get the vehicle. 15 U.S. Code 1635 - Right of rescission as to certain transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity Bank has not reported my account to the credit bureaus for 3 months. I am told it is reported every 30 days but it clearly is not. 

Twice, I sent an online message to Commenity asking why they have not reported my account standing to the credit bureaus. The first time they told me they report every 30 days, even though I said they havent reported for 3 months. The 2nd time, I was told that their systems are down and I need to wait 45 days. I have already waited 3 months. Now I have to wait 4.5 months. 

I am trying to obtain credit and this account if affecting my credit score. Today, a supervisor hung up on me when I asked to speak to someone above her. These people are disgusting and rude. 

I need my credit report updated ASAP and z Commenity is making it impossible for me. They are not following through on their responsibilities. They are treating me like I have no rights in this matter and they are telling lies about reporting it to the credit bureaus. I have filed a dispute with all 3 credit bureaus and they are clearly not getting answers from Commenity either. 

I also want an apology from the company because the supposed Supervisor hung up on me. I am sure they can find out who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Two credit card companies ran hard inquiries on my credit report on XXXX XXXX, 2022. I did not apply for cards or credit with either of these companies. When the companies were contacted one of them did not answer and the other said that an account existed in my name. I have never authorized any of these transactions. The credit reporting agency only advised me to contact the companies. 

The companies are XXXX XXXX and XXXX, both on the same day and both located in 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 2022-09-14 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: Freedom Mortgage Company
State: OK

Complaint narrative:
I have a letter from freedom mortgage that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX XXXX and 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 2022-09-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Over the past several months I have been trying to correct errors on my credit report with TransUnion, XXXX XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. TransUnion, XXXX, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.

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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2022, I sent an international wire to a XXXX Real Estate agency ( XXXX XXXX XXXX ) for a rental in XXXX. I had seen the place, met the parties, received the wire instructions over encrypted email, confirmed the wire instructions over the phone and sent two initial wires ( XXXX XXXX and XXXX XXXX ) through Chase.com. Both of these wires were rejected, but I called their service desks after both times, they said they took notes ( notes on the information above ) and that I should resubmit and it should go through. 

Since online did not work, I went to a physical Chase branch on XX/XX/XXXX and submitted the wire through one of their bankers. They entered the wire information, I confirmed and at XXXX XXXX the wire was accepted ( acceptance was confirmed via email ). The timeline given for the international wire was 3 to 5 business days. 

On XX/XX/XXXX, when I am ready to pick up keys for the place the Real Estate agency informed me that the wire still had not came through. I called Chase, and they did say because Monday was a holiday ( in both XXXX and XXXX ) that the XXXX was the 5th business day and wait until tomorrow. 

Nothing came through the XXXX. Since then I have called ( or secured message them ) every business day XXXX, XXXX, XXXX, and today. The XXXX and XXXX they said it was sent ( but the receiving bank never received it ). The XXXX they mentioned it was rejected ( however, the funds have never bounced bank ), but then I was elevated to the wire department and they said it was accepted. They then forwarded me on to the wire research team and said they would get back to me within the day ( the XXXX ), but at the end of the day today ( and after following up with them ) they still have not responded. 

The receiving Real Estate agency has been in contact with me every day checking and nothing has came through. I have confirmed all of the information multiple times ( from what is showing up in my online statements, and the paperwork given to me at the bank when the wire was placed ) and all the numbers and names are good. I have sent the Real Estate agency pictures of these documents and they have confirmed everything looks good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
On XXXX XXXX, 2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. There were two charges from XX/XX/XXXX, one for {$54.00} and one for {$9.00}. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. 

I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

I have now filed two disputes with my bank regarding the situation. They denied the first dispute, saying that they needed additional proof. I called and spoke with someone who resubmitted my dispute and emailed the requested documentation. They have denied my claim for the second time, citing that I did not return the food or let the food be picked up for return and that there was no explanation as to why the food was incorrect. I fully detailed what the problem was both in my phone calls and via the email that was sent to key bank. I also included supporting photos, showing that the company was not willing to do anything to correct the situation and also showing the incorrect food. I'm not sure what key Bank is talking about when they say that supporting documentation was not provided, because I was very clear on the issues and again, supplied photos corroborating my story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: PA

Complaint narrative:
Take the XXXX XXXX account off my consumer report its not suppose to be shared let alone displayed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: PA

Complaint narrative:
Take the XXXX XXXX account off my consumer report its not suppose to be shared let alone displayed on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Inquiries added to my credit report that were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I got contacted through XXXX  about a product ( bourbon ) Ive been looking for for quite some time that was {$130.00} on XXXX XX/XX/XXXX. I thought it was a great deal, but it turned out to be a scam and me having to send more money through Zelle. They assured me I would get a full refund after paying for insurance fee which was {$120.00} and a permit that was another {$170.00} whenever I got my package that would arrive in a day I shouldve known better the package was never going to come and I tried to resolve it through my bank, but they said there was nothing I could do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: OK

Complaint narrative:
I have a letter from XXXX XXXX that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX, XXXX and experian.

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 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Citizens Bank has adopted the highly questionable practice of creating what is labeled as an account statement, and looks like an account statement, except it shows an erroneous, altered account number. Not only has the bank deleted the complete and true account number from account statements, it will not or can not provide the account holder ( even when asked ) the same account statement showing the complete, true account number. 

All account statements must show the true account number.

Company response to consumer: Closed with explanation