vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: LA

Complaint narrative:
XXXX has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about XXXX not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX  open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment

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 2023-05-13 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act Self Visa Credit Card Ending in : XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My chime debit card was used unauthorized and I filled a claim and they denied my claim. I lost over XXXX XXXX with chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have received an email from Bank of America, XXXX. I am unsure if it is legitimate or not, but the email says that I have opened a new checking account.

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 2023-05-13 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: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In the past two months I have made attempts calling Lowes Credit card to pay my credit card in full. I have not used the online banking until today. I always called the credit card phone number and I have been serviced by representatives ( In the XXXX ) and requested my payoff amount to be surprised later that i still have a balance. The last phone call was around XX/XX/2023 when they assured me that my payment of {$700.00} was the total payoff on my account. However I opened the online banking today ( for the first time since I don't have the time and patience to go online ) to print my statement that should have shown a XXXX balance to find to my surprise that there is a charge still left on my account. This complete ineptitude, or outright ill intent or malpractice on the part of Lowes credit card is costing me a lot because I am applying for a mortgage and I must have a XXXX balance on my account. This is a major problem for me that will cost me to delay my mortgage approval and eventually cost me more since interest rates are going up shortly. 
This is not a way to treat a customer. What are they teaching the representatives, not to provide the real pay off so that they can still rip off customers charging them interest rates?

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 2023-05-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am still being contacted by XXXX XXXX, and I know it`s going to be the same response. He refuses to lower the monthly payment. He insists that wells Fargo Auto Finance was 'not present when the loan took place '. This still holds no water. Wells Fargo Auto Finance could see my credit score, and by looking at my banking records before I closed my checking account with wells Fargo. 
I have repeatedly told him that I did not receive the sales paperwork until two weeks after the deal was done. The car dealership also forged how much I make each month, along with how long I was employed, which was only one month with the healthcare agency. I highly suggest they either refinance this loan or lower the monthly payments as I am on XXXX. 
I have my award letter as well to show the judge that I didn`t make anywhere near the amount that was on the Loan Application. No Home health Aide makes {$4000.00} a month, and I can barely get by without working a lot of overtime to pay my monthly rent. I`ll be XXXX years old this month, and this, I feel is taking advantage of me not only as being XXXX, but as a 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 2023-05-15 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: TX

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$10000.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I previously filed a complaint against American Express ID XXXX. I have since won a court judgement against them on XX/XX/XXXX regarding the balance they falsely claim I have. They have refused to acknowledge the court judgement. They are in violation of the law.Please read further. 
I was a victim of fraudulent charges on my American Express card on XX/XX/XXXX. I immediately contacted American Express who reversed all fraudulent charges made to my account. On XX/XX/XXXX I received a call stating American Express was not going to cover the charges and placed all charges back to my account. 
I disputed their decision with the fraud department and customer service while it was under investigation until XXXX XXXX when they closed the case and decided they were not covering the fraudulent charges. 
I advised them I would seek legal action which I did and went to court XX/XX/XXXX. The court ruled in my favor concluding that American Express was responsible to cover all charges. Enclosed are the court documents confirming my statement. 
As of today, XX/XX/XXXX American Express has not complied with the judgement of the court. American Express did not respond to my lawyers letter ( with submission of all court documents ) of six weeks ago. He wrote them a second letter this past week requesting their compliance with the court decision. 
I have contacted by mail and by phone - American Express myself and submitted the court documents to customer service and the fraud department. Their letter response simply stated the investigation was closed and did not address my successful court judgement against them. They ignored the information I discussed in my phone call and simply said they would reopen the investigation despite saying numerous times I had a court judgement against them and they were in violation of the law by not complying. 
That is a brief summary of the events that have transpired. 
I have enclosed the court documents showing the judgement I received, my lawyers first letter to American Express after the court judgement, my two letters to American Express requesting their compliance with the court judgement. I have also enclosed a summary of all the conversations that occurred during the dispute as well as the arguments we made before the court regarding American Expresss accountability. 
Specifically, I request your assistance in getting American Express to recognize the court judgement, remove my balance, refund the amount that is greater than the balance, and most importantly to contact the credit agencies to advise them I dont have a balance and I never did. As an aside my credit scores have always been in the 830s American Expresss refusal to contact the credit agencies has significantly affected my credit scores even though I have submitted all information to the agencies. 
Thank you in advance for your attention to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: IN

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 XXXX XXXX XXXX. ( XXXX  XXXX  - XXXX ) has violated my rights. 

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

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: OK

Complaint narrative:
I am filing a second complaint against Charles Schwab as the first one was not resolved as the company assured me it was. My social was used to wrongfully open three accounts through Charles Schwab. I have called and reported this more than five times and I was assured over and over that it was taken care of but the accounts were close that I would no longer receive communication yet here I am still receiving letters in the mail from them. Including today. First, I have massive concerns with their XXXX  procedure. the fact that someone could even open an account with such little data. Secondly, I have massive concerns that Ive been reporting fraud for a year now and its still not been resolved. Thirdly, I have asked the company to stop contacting me after I told them about this fraud yet they still continue to do so, I need this resolved. I never wan na be contacted by this company again yet I cant seem to get these accounts clothes that were open fraudulently. I have never and certainly now will never have an account with this company. I want every single account to close and I want to never hear from this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was going through financial hardship and was trying to negotiate a payment plan, they refused and my vehicle was repossessed

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 2023-05-13 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: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: PA

Complaint narrative:
My pocketbook was stolen out of my car on XX/XX/XXXX, I reported it theft to the XXXX XXXX Police Department, everything was in my pocketbook, Social Security cards, credit cards that belong to me and my husband, XXXX, XXXX, a Netspend card. that was fraudulently used was in my bag, the card was in my husband XXXX XXXX name, and it was fraudulently use of {$3200.00}, that was deposited from the IRS from our XXXX  taxes, and it is under investigation through the XXXX XXXX police department, who has all the information on the fraud and the purchases through surveillance from XXXX XXXX! All this was reported to Netspend, and they refused to give us our money back, they told us that we were getting text alerts about the fraudulent charges through a cell phone that was also stolen and it was in my bag!!! This whole scenario has left us in debt, I am so frustrated with this company! Weve been with them for over 13 years, I cant believe the way this is all playing out! I also reported NETspend to XXXX  new XXXX XXXX XXXX XXXX XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD

Complaint narrative:
Dear CFPB, I have a Health Saving Account ( HSA ) with Bank of New York Mellon ( my account ends in XXXX ). These are federally administered accounts. There should be NO monthly fees on this account. For the past 10 years, Bank of New York Mellon has been charging me and other millions of Americans almost {$5.00} per month. This is fraud. Please contact this bank and ask them to stop this and they should refund this monthly fees.

Company response to consumer: Closed with explanation