vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  # XXXX, XXXX  XXXXXXXX XXXX  # XXXX have 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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a phone call from chase stating I had suspicious activity of a wire transfer wanting to be set up. I stated no that wasnt me and the chase specialiststated we can do a recall process to reverse/ stop the transfer. I revived automated codes/ messages/emails/ stating from chase to give. XX/XX/XXXX I woke up to a notification stating my account is now negative. XX/XX/XXXX I called chase via the same number I was called from yesterday to report this and ask why did it go through if I said it wasnt me before hand. The specialist on the phone didnt give a good explanation nor told me it could have been a scam. So I was told it would have to be investigated and I would revive a letter in the mail to write my claim and send it back. I waited approx. 2 weeks for this letter and took it to the bank the same day I revived it. Called to check back up on my claim during another 2 weeks and no explanation or updated. Called chase again XX/XX/XXXX for any information and specialists said go to a chase branch and see what they can tell you. I did today and then was told after 30-45 minutes of investigation by a claims specialist for fraud l/ wire transfer that I was scammed and couldnt get my money back but yet theyre aware of the and situations information. Yet no one told me it was denied XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
The companies discriminate my valid fldl

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: IL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
my auto loan with navy federal is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a finance manager at the dealership please remove the late payments off of my consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: IN

Complaint narrative:
I have a unemployment funded card thru XXXX KEY BANK. I was on down weeks on XXXX XX/XX/XXXX and my unemployment money was put on the XXXX card on the XXXX of XXXX, I took the card to my bank XXXX to have the funds pulled off the card and put into the checking account, the teller told me there was no funds on the card as she passed the card bake to me. On XX/XX/XXXX I took the card into the bank again and the card declined again. Called the XXXX number and they said it is PENDING it is still PENDING today XXXX. I now have another unemployment fund on the card but I can not have access to it until the first issue is resolved. They tell me maybe XXXX XXXX XXXX. Now i have also been in contact with my bank and everyone is playing the blame it on the other bank. I still have no idea what else to do at this point. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming XXXX XXXX These court documents had a broad list of what I was being sued for. It stated Citi card NA. Prior to this I had paid off 3 Citi card debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a dollar amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The holidays have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was Home Depot by Citi. I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling Citi card and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my XXXX XXXX XXXX recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : 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 explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My Venmo has {$1000.00} dollars and it will not let me transfers to my bank I have spent hours on hold with them. I need to get my money out of venmo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The credit bureau has reported two late payments and Ive tried disputing them with company. I was told system doesnt go back that far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 explanation
Consumer complaint received 2023-01-09 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In accordance with the Fair credit reporting act Navy Federal Credit Union. has violated my rights. Under 15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit file as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX of CALIFORNIA Executors and XXXX XXXX XXXX. Grantor/Beneficiary. 

I have certified mailed letters to these 3 XXXX  Offices Below. For XXXX. 
The XXXX XXXX Of California. 
XXXX of XXXX in California. 
Attorney General in California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
The North Carolina Bar Association accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC board certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for XXXX XXXX, by the content signed by her, was in fact more - over and above the amount that their client XXXX XXXX, has attested in dozens of complaints where XXXX Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, XXXX laws when they attempted to collect {$1100.00} more than the reported amount by their own client, XXXX XXXX. 

Federal and state laws have been violated by the attorney, firm, and XXXX XXXX  clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, XXXX XXXX falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one XXXX XXXX  charged off account - when in fact I never paid any months payments to charged off account. 

15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I pay my bills, and other credit reporting accurately reflect, but Equifax is very subjective and does not explain why they keep hitting my account frequently. They are arbitrary and unfair and grading people. This is from a company that has been very loose with people stated that didnt even give them authority to keep data on them. They have my Social Security number, and I never give them authorization to have it. This company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have paid mid land credit management and it was removed from my credit report however they say they didnt receive payment? They want me to pay twice. It was removed from my credit report and they want me to still be obligated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, I did a same day wire transfer for the amount of {$240000.00} between my checking account in Bank of America and my account in XXXX. 

Bank of America claims that the money is stuck in XXXX XXXX, an XXXX  XXXX  for the transfer. BoA also claim that they have contacted XXXX XXXX to recall the transfer, but that they got a request for more information from XXXX XXXX. This information was provided last week and still have not heard from XXXX XXXX or BoA, and, in the meantime I am out of almost a quarter of a XXXX dollars for almost a month and the interest lost in my savings account at XXXX XXXX is in excess of {$500.00}

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 monetary relief
Consumer complaint received 2023-01-09 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
The credit bureau has reported XXXX late payments and Ive tried disputing them with company. I was told system doesnt go back that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In all my previous letters I have written to contact me BY MAIL ONLY, Wells Fargo Agents keep calling my wife business phone number, and they also told my wife they lost my phone number. A Wells Fargo Agent Call today from ( XXXX ) XXXX ; she told my wife that Wells Fargo does not have my phone number and that's why they keep calling her, I have been having business with Wells Fargo since 2013, so, I don't understand how they lost my phone number, regardless of it ; they are harassing my wife with their calls and they really don't understand I just want to communicate by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: LA

Complaint narrative:
Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them. Pls handle this matter properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
my auto loan with XXXX XXXX  is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a XXXX XXXX at the dealership please remove the late payments off of my consumer 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 2023-01-09 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: IL

Complaint narrative:
I'm a victim of identity theft. Someone used my information to apply for an auto loan. I never gave any permission to anyone to use my personal credit. The companies are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: GA

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

XXXX # XXXX, has violated my rights. 


XXXX XXXXXXXX # 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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
My Payment due date is on the XXXX of every month, due to pay periods not lining up I have had to pay on the XXXX of the month. Conns home plus will start contacting the day after due date and continues to call all numbers provided starting at XXXX calling multiple times a day. Today XX/XX/2023 I have received XXXX calls to my mobile phone and XXXX calls to my work phone. Last month I received nearly XXXX calls within a 4 day period. This is harassment and shouldnt be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Calling at work XXXX  me for an alleged debt. XXXX

Company response to consumer: Closed with non-monetary relief