vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. This ground for removal under : 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.

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 2022-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. This ground for removal under : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX account number 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 explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC
State: NY

Complaint narrative:
I started disputing XXXX XXXX XXXX XXXX credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch XXXX XXXXXXXX XXXX XXXX XXXX three times, filing two more reports at the local branch, filing complaints against both XXXX XXXX XXXX XXXX and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX XXXX XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, XXXX XXXX XXXX XXXX chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like XXXX XXXX XXXX XXXX. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. XXXX XXXX XXXX XXXX needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank blocked my checking account on XX/XX/XXXX without any notice before, and I suddenly lost my account and my money locked in the account. Citibank reply to me to wait 30-60 days to process and close it. On XX/XX/XXXX, I checked my account is closed but I didn't receive my refund check after 3 weeks. And during this period I called Citibank again and again, every time bank told me it is in process. I don't understand why still hold my money so long since the account was closed and I had waited long time. I told them I have to move out next month and hope them push the process quicker, but still no any response! They don't care about their customers situation which I am in urgent to my money. They don't respect customer because they block and close with no any previous call or notification to verify. I am very angry with their service and disappointing their attitudes. Keep delay and keep transfer my call.

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 2022-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to remove XXXX XXXX XXXX Acct # XXXX, After i have advised them that the inforamtion is incorrect through five disputes in the last year.. I have even filed written dispute via cerified mail in XX/XX/2022, in which a request for written response detailing the innacuracies, and provding evidence supplied to them and how they conductied thier investigation and did not recieve any written responce which is also FCRA over 60 days at this point. My dispute with this account is # 1, Veirfication of this debt with evidence provided to them as staements etc containing extact dates showing money owed. also i was not properly contacted by them of my alleged deliquency via mail. They also reported a charge off, while this account while i was involved in an active dispute in violation of 15 US Code 1681 that i do owe XXXX XXXX XXXX and ET Sec 604 of the FCRA. # 2-Experian reporting A past due ammount 0f {$640.00} dollars on a cahrged off account. This Charged off account is reporting payment history each month when it should not since account has been charged off. This is falsely manipulating the statue of limitations which is a FCRA violation.

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 2022-05-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have mailed Portfolio Recovery Associates , LLC with 2 separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, with them sending only statement from the company that they purchase a charge off debt, which is not validating the debt. I also sent them letters, requesting Portfolio to remove all 7 of the accounts that they have purchased as a debt buyer and to remove all 7 accounts off all 3 of my credit reports. I have never received any correspondence back from my original request & I still have not heard or receive my green card receipt from that company. I am requesting for Portfolio Recoveries to remove this off all 3 of my credit report due to.

CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means.

( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

( b ) False, deceptive, or misleading representations.

( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.

They have on my credit report that they are an attorney/ collection agency and have tried to take me to court in 2018. They have not been able to validate any debt, and a statement does not show proof that they are validating the debt. A letter saying that you purchase the debt from the creditors does not give them rights. They are also validating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CFBB 1006.18 False, deceptive, or misleading representations or means.

61. Gross income defined ( a ) General definition Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : ( 11 ) Income from discharge of indebtedness ; CFBP 1006.2 Definitions ; ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My wells Fargo debit card was used to make multiple charges overnight while I was asleep that totaled to around {$200.00}. Wells Fargo has not issued a credit for this even as long-term customer over 10 years.

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 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was called on Monday XX/XX/XXXX AROUND XXXX from XXXX XXXX  company. That there are waiting by my building to shut the electric were i have tenants plus a dr office and i was out of town, i ask why are closing ii know i pay my bills online no its deposit we need wil refund it after 3 months, wee i know they really do it .so they tell to call the office and press ext 4 for the collection dept, i was arguing i told i be back in my office next day arguing for some time. so i cal press 4 it was a real no # the XXXX XXXX  SOMEHOW THEY SPOOFED ME. THEY KNOW I HAD MADE A CHANGE ON 1 METER in my building and i thought it because of that. so i told i am not in town so they said they wil try to arrange and do me a favor if i can make a 3 party XXXX  payment through my bank. all this took a 2 hours on the phone so i sent they {$2000.00} and i thought it sok but they kept going that it was already out for disconnection. its a long story i am tell the basics what is need to know. so they told and hod on to be connected to the finance dept and to see if they approve and can stop the discontion, til i was connected took a long time so after they picked up they tell i need to send addinail {$2500.00},. this already do not sit with i did not send i went called back XXXX  from another phone and asked they told no its XXXX. i went fast call my chase bank and told what happened and they said they wil contact XXXX  i gave al info were it was sent what XXXX address and names and teh all other phone i was involved, soi they said they wil give over i wil get a refund fOR 1 time. but now they say talk to XXXX  it was declined nobody is taking responsibility were i called right after in order they can stop it and gtet it back i have no one to talk not XXXX  and not CHASE bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: TX

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: MN

Complaint narrative:
Complaint Against : Rausch Stern XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX 
I received notification that the balance was {$2400.00}, but Rausch Stern never would confirm amount of original debt. 

Prior to XXXX, I made payments against the debt totaling {$1100.00}. 
( XXXX payments of {$250.00} and 1 payment of {$400.00} ) - I was unable to make payments during the height of COVID.

Rausch Stern moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, Rausch Stern reported to my employer that the account was paid in full. 
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, Rausch Stern garnished an additional {$860.00} from my wages, under the same case number for XXXX XXXX XXXX XXXX XXXX  and is again reporting the original / full balance as due. 

To date I have paid Rausch Stern {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by Rausch Stern ). 

After speaking with XXXX XXXX XXXX Rausch Stern, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Contacted this Debt collection agency in writing with certified mail. Provided them with everything they need to know within the letter that I am a victim of identity thief. Provided the FTC Report with collection agency. Never gave this company consent to furnish anything negative on my consumer report. This information should be off my report immediately! Provided all the documentation on XX/XX/2022.

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
on XX/XX/XXXX I called into Chase bank XXXX XXXX department where I was told I would no longer be able to open an account with Chase Bank. I asked why and they explained the Bank reserves the right to no disclose that information. I asked if there were an appeal process or a process for me to formally request for more information and was given the same answer. " Chase Bank reserves the right to not disclose that information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IA

Complaint narrative:
Amerisave Mortgage - Trying to get PMI cancelled with now having 20 percent home equity based on my houses assessed value from the county. 

XX/XX/XXXX called in to request PMI cancelation. 
XX/XX/XXXX no letter received, requested another letter to be sent XX/XX/XXXX no letter received, requested letter to be faxed and mailed, they didn't have record of sending me requesting a fax XX/XX/XXXX no letter received, fax/mailed to be sent requested again. 
XX/XX/XXXX, they said they are now reviewing the PMI removal and to call back XX/XX/XXXX but would fax me a letter which now I am not sure what the letter they are trying to fax is about. They said the letter was mailed on XX/XX/XXXX too which is what?? 
Now the supervisor is saying it cant be faxed and now that it will take another 3 days to send the fax but will put in a request to have it faxed to see if the escrow department will fax it, it will take another 3 days to fax. 
Going to call in again on XX/XX/XXXX just to see what they say. They are purposely delaying and lying for sure!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, Has Violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act.. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX account number XXXX. 
XXXX XXXX XXXX XXXX XXXX account number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
There was a fraudulent charge of {$100.00} on my credit card by an unknown company. I contacted Aspire account services and they sent me a new card and told me it would be fixed, the next month the charge remains on my bill. I contacted them again and at this time tried to close the account and tell them I am not paying for this fraudulent charge, they refused to close the account and said that their investigation could take up to 90 days, meanwhile im supposed to make a minimum payment on a fraudulent charge. The Aspire credit card is a horrible company and has not resolved this issue to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation