vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already tried to dispute these several account with the credit bureaus but they're a not doing their job. I haven't received any proof regarding their information they are inaccurately and negatively reporting on my credit reporting file for these accounts. This is very fusturating because I know for a fact they are violating FCRA laws and Metro 2 compliance standards. I have challenged these items time after time and still they are harming my credit reporting. I need them to do a proper investigation and remove all information that is not correct and provide me with physical proof. These are the accounts listed below I have attached my credit report and letters XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account # : XXXX XXXX XXXX XXXX Account # : 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 2023-09-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
This is about beyond financial services number one they told me I was eligible for a consultation loan two years ago so I said okay. But two or three months after that I found out it was not a loan but some kind of consideration program I sent up direct deposit from my bank account thinking I was paying off a loan but no they were just taking money out of my account saying to pay on my debits. Not true for now I am in default with all my debts and don't even have enough money to file for bankruptcy. I feel that I got robbed. And they should pay off all the cards and loans interest and fees. And return my money they took. This money came out of my XXXX account. I see a judge ordered against beyond financial I need to be on that document and get reimbursed I lost a XXXX dollar loan to build a church because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: MO

Complaint narrative:
I have reported to upgrade LLC for the last 2 years to cease and desist any contact and they continue to send billing statements monthly when I closed this account back in 2021 after signing up with said company for only 2 months due to their bad business practices.

I do not do any business with Upgrade and I am not requesting that they cease any further soft pulls against my credit report as " permission purpose / account review '' Do not pull, view, nor attempt the offer any upgrade products or services to me Upgrade was the worst company to get rid of, they create alot of hoops and abuse customers with long wait times and multiple disconnects of calls.

I am quite surprised that this company hasn't been fined due to the way they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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: NM

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.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC
State: KY

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX i was no longer was able to access my chime account through the app so i called chime customer service and informed them of the issue but the issue was never resolved so i requested they freeze the account temporarily because i didnt have access to the account but i was receiving notifications transactions were being made. I called numerous approximately XXXX times attempting to regain control of my account with no luck. On XX/XX/XXXX chime finally closed the account. at the time of my last purchase i had a balance of {$99000.00}. Chime has been denying me my funds or any resolution of me receiving the return of my money. I have callded hundreds of time and emailed just as much i would just like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/2022 I order a refrigerator repair from XXXX and placed the charge on my Discover card. The repair man said once the parts arrived I could call and reset the repair date. As as a result of almost 20 calls to the XXXX XXXX XXXX in the XXXX and endless routing from one person to another I cancelled the repair order and the monthly warranty insurance as well. After 7 months of going back an forward disputing this charge and sending proof of the parts delivery. Discover allowed for XXXX to bill my account for {$180.00} an amount which is not specified on the work order I signed. XXXX did not do the repair. I paid another company {$700.00} to repair the refrigerator. All of the labor cost listed on the receipt pertain to replacing the compressor which XXXX did not do. 

Discover refuses to remove this charge. There is no justification for Discover to allow this company to charge an amount I never agreed to to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXXXXXX XXXX XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 XXXX update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXX XXXX XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 XXXX update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
I found a collection debt on my credit report was reported by Amshercollectionservices was amount for {$200.00}. XXXX number XXXX. i call number. talk with some one from customer service. she ask my info said she couldn't look to see who the accounts from until i give her bank or credit card to withdraw XXXX dollar to check my credit report. so i ask her several times why do you need my bank card # she said couldn't help until i authorize her XXXX dollar from a credit card. so was still unsure she said well can't help you until i get the card to use call her back when i do. so i felt presser so i gave her my account # then she said now bank with decline so i have to contact bank let them no i Accept before i can continue. so like i fool. i did it. so little did i know soon as i had contact them collection company I received a email saying i sign up for identity membership. 7 XXXX trail for XXXX dollar then XXXX monthly. that call back cost me {$190.00} and XXXX a month for a credit counseling. on my bank account its say it from XXXX XXXX  from XXXX Nv. it was just a trick to catch me off care and sign up from something i couldn't afford. i called them to find out if this is my debt and to find out how to get off my credit report. it not collection company it was a credit counseling. i feel so stupid that they trick me! not even sure if its true debt? she keep saying they take take care of the debt and she already seen description and it showed XXXX XXXX. but in order to take care of it they have offer for {$290.00}. and said contact boss he said he lower it to XXXX. it was just a scam i am on XXXX  i contact them to get info about the amount being on my report. and land up being charged for a credit counseling called XXXX from XXXX NV. now i am trying to get my bank to stop payment. but i problem going to loos that {$190.00} + {$1.00} its just so dirty of this collection agency. i am XXXX XXXX  and XXXX for trusting the credit report information. thank you for your time XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They contacted me by phone, XXXX. Tried to scare me that they worked garnish wages, take our assets, go to jail, be sued. Then after I asked them not to call anymore, it email, I sent them a crease and desist in contacting me, along with my spouse, as it was starting to become a harassment, multiple calls and multiple people staying they would do all the above even after i told them we don't have it. They kept contacting me. I tired to work with the prior credit card company but we just didn't have it with XXXX  and 1 person working, even with the hardship. Then with the debt collector i tried to tell them the same thing. 
But they didn't want to work it out, they wanted it all. They called many of multiple times. And our home. I don't have specific days but I'm sure that we could get at & t wireless to give us a copy of our call list and you'll be able to see all their calls. They are taking us to a court mediation. But I've got proof that I sent them a fax to cease and desist calling or contacting, and sent them a debt validation letter that went past the 20 days of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Dispute with XXXX XXXX  - Case Number : XXXX I am writing to provide a description of the disputed transaction, as requested, without including any personal information. 

The disputed transaction initially occurred on XX/XX/2023, with XXXX XXXX, with a charge amounting to {$37.00}. The reason for this dispute is related to the fact that I have not received the merchandise/service that was supposed to be provided to me by the expected date, as initially indicated by XXXX XXXX XXXX 

On XX/XX/2023, the charge was adjusted, suggesting a resolution to the dispute. However, on XX/XX/XXXX, the same charge reappeared on my statement, but this time under the merchant name " XXXX XXXX XXXX CA XXXX XXXX. '' I had not authorized this charge, and it further compounded my concerns. 

Furthermore, on XX/XX/XXXX, the credit card company issued a " PURCHASE ADJUSTMENT, '' which indicated that they were attempting to rectify the situation. Despite these adjustments, the core issue remains unresolved, as I have not received the expected merchandise/service, and the charge continues to appear on my statement. 

Upon noticing the reappearance of the charge, I promptly took the following actions : I contacted XXXX XXXX  customer support again to inquire about the unauthorized reappearance of the charge and the continued non-receipt of the merchandise/service. 

During my interaction with XXXX XXXX  customer support, I reiterated the situation, emphasizing that the merchandise/service was not delivered within the promised timeframe. 

I also provided XXXX XXXX  with all relevant details and information related to the transaction, including the date, amount, and any supporting documentation they may require. 

Despite my continued efforts to resolve the matter directly with XXXX XXXX, I did not receive a satisfactory resolution or a refund for the charge related to the undelivered merchandise/service. As a result, I initiated this dispute with Capital One to seek a fair and just resolution for the unfulfilled transaction and the unauthorized reappearance of the charge. 

I hope this updated description provides the necessary information regarding the disputed transaction, the adjustments that occurred, and the specific reason for the dispute, which is the non-receipt of the expected merchandise/service within the promised timeframe. If you require any further details or have any questions, please do not hesitate to contact me using the provided contact information. 

Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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: VA

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.

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 explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$6100.00}

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Copy and paste this : I have recently checked my credit report and noticed that there is a fraudulent/ unauthorized credit account on my credit report with a balance. Im unaware of the opening of this line of credit. I have contacted the company and I was told that I need to dispute any inaccuracies with the credit bureaus. I have contacted the three major credit bureaus without any resolution. I want this removed from my credit file because its considered unfair and inaccurate credit reporting. I have also listed the 3 credit bureaus in this complaint. Please remove this inaccuracy or send me proof I have opened any line of credit with such company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Copy and paste this : I have recently checked my credit report and noticed that there is a fraudulent/ unauthorized credit account on my credit report with a balance. Im unaware of the opening of this line of credit. I have contacted the company and I was told that I need to dispute any inaccuracies with the credit bureaus. I have contacted the three major credit bureaus without any resolution. I want this removed from my credit file because its considered unfair and inaccurate credit reporting. I have also listed the 3 credit bureaus in this complaint. Please remove this inaccuracy or send me proof I have opened any line of credit with such company

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
on XX/XX/23 I contacted PNC bank to obtain my credit card number as the card was lost long ago and I needed the credit card # to reset forgotten online user id/password to view my statements. I have contacted PNC bank both by phone and online chat and PNC refused to give me my card number, the phone rep was rude and the chat rep told me the only way PNC could verify my identity is for me to travel from NY to a PNC branch in PA in person. 
PNC emailing me monthly that my card statement is available online. As alternative to solve the issue I asked PNC to switch my statements from online to regular paper so I receive them in mail, PNC refused to do that also. 
I filed a XXXX complaint against PNC also, PNC refused to answer and wrote back call PNC if you have issues, given the rudety of PNC phone reps and hours long waits on phone, I did not follow. XXXX accepted PNC refusal to answer the issues and considered it an answer then closed the case. At this time PNC taking payments monthly from my XXXX XXXX checking account but not giving statements or indicating balance.

Company response to consumer: Closed with non-monetary relief