vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
ok so this company KIMBALL, TIREY ST JOHN LLP has ruined my credit for the last 3.5 yrs and keeps charging interest every month year to date over XXXX in interest charges not sure if thats legal, i called the number provided and tried to explain to him my old girlfriend used my name on a lease without my permission and i am not responsible for this debt this rude gentleman responded by saying there going to freeze all my assets they already have a Levi on my checking account in the middle of a pandemic i asked him are you guys lawyers because i keep getting these intimadating intimidating letters with big bold letters saying the law offices of KIMBALL, TIREY ST JOHN LLP TURNS OUT THERE JUST DEBT COLLECTORS AND NOT REAL LAWYERS THIS IS A MISLEADING SCARE TACTIC AND A VIOLATION OF 15 U.S. CODE 1692E ( 3 ) ( 10 ) ( 14 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

OK SO LETS TALK ABOUT THE ACCOUNT STATUS IF THIS A COLLECTION THE ACCOUNT STATUS SHOULD BE CLOSED IF ANYTHING WHY WOULD THE ACCOUNT BE OPEN ALSO THEY KEEP PLAYING AROUND WITH THE ACCOUNT IN XXXX LAST YEAR THEY CLOSED THE ACCOUNT PROOF IN THE ATTACHMENTS THEN A FEW MONTHS LATER IT REAPPEARED OPEN WITHOUT MY WRITTEN CONSENT WHICH IS ANOTHER VIOLATION THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES THE LAW CLEARLY SAYS IT MUST BE 100 PERCENT ACCURATE THIS COMPANY IS ALSO NOT REGISTERED WITH THE ( DFPI ) PURSUANT TO THE NEW ( DCLA ) DEBT COLLECTOR LICENSING ACT NEW CALIFORNIA LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I started the refi process with Wells Fargo in XX/XX/XXXX, with close anticipated in XXXX. After locking in my rate at 3.25 %, all paperwork was submitted. Appraisal came in lower than expected so amount was reduced by {$500000.00}, which was fine. We continued toward closing but as rates started to increase, WFs service rep became less responsive to me. Then I received a letter in the mail declining my application. When I spoke with rep, she indicated it was an income issue. After hearing the issue, she realized WF did not compute my income correctly as they missed two documents that totaled approximately {$20000.00} per month more than they had in their calculations, and a business I sold in XXXX that they were calculating as a negative {$3000.00} per month, both mistakes on their part. She emailed me to inform me that she was taking the mistakes to her supervisor and would get things worked out. I have been contacting her via phone and email for past two weeks and she does not respond. I believe since rates rose they did not want to offer me the loan. This now is costing me 200 bps to refi with another institution.

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 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AR

Complaint narrative:
I tried to log in to my account following the directions stated by the bank. I tried this 6 different times with bank personnel " helping '', to no avail. I reinstalled their app 4 different times at their request, and changed passwords at their request. They send a verification code which I utilized with their interaction. The code they sent was denied each time. It is my firm belief that ; ( 1 ) the bank purposely is denying me access due to theft or fraud; ( 2 ) deliberately attempting to cause harm to me as they've been informed of my age ( XXXX  ) and my medical conditions. They requested my last transaction, which I gave them and then they say it won't work. My identity is verified BEFORE I speak to anyone. This bank violates every rule of customer service. They are refusing to allow me into my account due to harassment or fraud or theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have an American Express credit card. I had a balance due on XXXX XXXX for {$3100.00}. I made a payment on XX/XX/XXXX for {$2000.00} and another payment on XX/XX/XXXX for {$1000.00}. The payment for {$2000.00} was returned on XX/XX/XXXX because I didnt have enough money in my account. It was unintentional and I sent a new payment on XX/XX/XXXX. As of XX/XX/XXXX, I had paid my balance in full. The Statement was from XXXX XXXX XXXX. I got charged a return payment fee of XXXX ( which was later reversed ) and Interest Charge on Purchase for {$45.00}. I assumed the Interest Charge on Purchase was for the 4 days I was late. Then, I had a payment due on XX/XX/2022 for {$1300.00} which I paid in full on XX/XX/XXXX and XX/XX/XXXX. To my surprise, I received another Interest Charge on Purchase for {$31.00} on XX/XX/XXXX after I paid my entire balance that was due on time. When I called them about it this morning they said it was a residual fee. It was going to take paying my bill on time for two billing cycles to resolve. I should have not been charged this fee because I paid my entire balance on time. This charge should not be allowed and its hurting consumers. It also makes so sense. I am still trying to understand how I got interest for a payment I made on time. Am Express said they were going to remove it, but it should not be allowed and its unlawful. They are committing a crime by charging people these fees that make no sense. I think we wall know we have to pay a fee when we dont pay the full amount on time. However, there should be no penalty for paying in full on time. Also, I already paid a fee last month for my late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account has been paid in full but still remains on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was pending XXXX from XX/XX/XXXX to XX/XX/XXXX. I was approved in XX/XX/XXXX. XXXX XXXX was completely aware of my situation and provided no assistance with my credit reporting. XXXX and myself entered into a new Settlement agreement in XX/XX/XXXX. They reduced my amount owed and monthly payments. I have made every payment on time. I provided Experian and XXXX with the terms of that new agreement. Although, I have been responsible for my part of the agreement since XX/XX/XXXX, XXXX continue to report to the Bureau the original terms of the agreement as if they aren't expecting a lesser payment. They have my account 150 days past dew. Settling my account is a negative on my credit to begin with. I should not be subject to monthly untruths.

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 2022-05-30 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: VA

Complaint narrative:
Numerous attempts made to dispute and correct information appearing on credit reports with XXXX, Equifax and XXXX. Issue is in regards to medical collection accounts that belong to someone with similar name spelling. This includes XXXX accounts from the same collection agency, XXXX XXXX XXXXn on behalf of XXXX XXXX, in the amounts of {$110.00}, {$130.00} and {$2200.00}. Documentation was submitted, which included name information and copies of billing statements from the original account holder ( not the collection agency but the hospital ) showing patient name on the statements. Most recent actions taken include : dispute submitted to XXXX XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to Equifax around XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to XXXX around XX/XX/XXXX and returned stating that the smaller account for {$130.00} would be removed, while there was no sufficient documentation shown to remove the larger account for {$2200.00} and the information was verified as accurate. Both accounts for XXXX were included in the same dispute and the documentation submitted/accepted was the same, and the accounts are from the same collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I reported that my credit card had been stolen on XX/XX/2022. Bank of America sent me a new card on XX/XX/2022 and I never received the card. No purchases were made on my account since XXXX because I did not have a card. On XX/XX/2022 fraudulent purchases began to show up on my card statement up until XX/XX/2022. I noticed it and reported the fraudulent purchases and all of my money was returned from those purchases besides one transaction on XX/XX/2022 for {$460.00}. I did not have possession of this card at all. I never received the card. I was told that my chip was read, my pin was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. This is not possible. I did not have the card and this transaction took place during the time frame where the fraudulent transactions were taking place. Someone may have signed for the purchases and it was not me. I never had possession of the card. I called bank of America to get it resolved nothing materialize.

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 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my TransUnion, XXXX and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed TransUnion, XXXX and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion, XXXX and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion, XXXX and XXXX are willingly and knowingly reporting false information on my consumer report. I required TransUnion, XXXX and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion, XXXX and XXXX has yet to respond to the letter sent through the mail. I demand TransUnion, XXXX and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion, XXXX, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion, XXXX and XXXX is reporting on my consumer report. TransUnion XXXX XXXX & XX/XX/XXXXXXXX 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 I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated 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 2022-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account has been paid in full but still remains on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This account has been paid in full but still remains on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, 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 2022-05-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
account numberXXXX according to the fair credit act account number XXXX has violated my rights, 15U.S.C 1681 section 602 A.States i have a right to privacy. 
15 U.S.C 1681 604 A section 2 cosumer agency can not furnish 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 2022-05-30 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: FL

Complaint narrative:
account numberXXXX according to the fair credit act account number XXXX has violated my rights, 15U.S.C 1681 section 602 A.States i have a right to privacy. 
15 U.S.C 1681 604 A section 2 cosumer agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/2022. On XX/XX/XXXX and XX/XX/2022, I erroneously paid twice the same amount of {$500.00}. XXXX Please see attached copy of my TJX Rewards statement. 
When I realized the error, I contacted my bank, XXXX XXXX, XXXX, TX, and the bank reimbursed me the amount of {$500.00} that I paid twice. 

Later that day, I noticed that I had another {$500.00} charge on my credit card. My bank only reimbursed me once the {$500.00} that I paid twice. As you can see on my statement, there were no additional purchases for {$500.00} made on my credit card to justify the additional charges. The only purchases for {$96.00}, I paid and canceled my credit card all together. 

At this time, I have completely paid off my TJXX Rewards Platinum Mastercard, and I dont owe anything to your credit card company. I also would like to add that I have a perfect XXXX  score of XXXX points.

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 2022-05-30 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: Experian Information Solutions Inc.
State: GA

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

15 USC 1681 Section602 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 or inquiry on a credit card account under an open end consumer credit plan as late for purpose

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