vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: Block, Inc.
State: HI

Complaint narrative:
My XXXX  Wireless Service Was Erroneously Cancelled For Fraud XX/XX/XXXX By XXXX Per The National Verifier I Was Told To Call By A XXXX Representative To Get The Details About My ID Being Flagged As Fraudulent. The Agents aT The XXXX XXXX XXXX FTC Told Me To Request My {$60.00} Refund For Service Paid On XX/XX/XXXX Which Was Cancelled Less Than 48Hours Before My Service Was Unjustifiably Disconnected For Fraud : Acct. # XXXX XXXX I.D . XXXX XXXX  XXXX XXXX  Has Also Made Contact w/1 OF Their Live Agents Very Difficult Once My Service Was Unfairly Cancelled After Paying {$60.00} For Unlimited Service. 

CashApp Has Refused To Give Me A Refund After 3+ Requests Since XX/XX/XXXX & Sent A Transaction Report XX/XX/XXXX Attached As Their Justification For Not Issuing My Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2019 Charge Off XXXXXXXX XXXX XXXX {$650.00} XX/XX/2019 Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a Venezuelan refugee. 
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.

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 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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called on chase bank on XX/XX/XXXX to report fraud via someone using the XXXX  app to siphon XXXX ( XXXX charge of XXXX and another of XXXX ) dollars out of my savings and checking accounts. I filed a claim with chase and after 2 days of investigation, chase decided that I authorized these transactions and that I received emails and texts about these transfers ; both of which never happened. I then grew very distressed and discouraged and implored to chase that I hadnt done any of this and what to do from this point on. They proceeded to tell me that I must prove that I never made a XXXX account via faxing documentation ( like Id have that in the first place ). I called XXXX  customer service, and by the grace of XXXX, was able to get a representative that explained to a chase claims representative that I never made a XXXX account and also that someone elses name was under the account with my banking info. If this wasnt enough proof then there wouldnt be. I opened a second claim for the same theft but what I had to do to get my money that chase lost was very sickening to say the least. Chase banks needs to be investigated promptly as I believe their own staff is stealing from clients. Also, I believe you do this by way of XXXX transfers which I had to look up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FORD MOTOR CREDIT CO.
State: WI

Complaint narrative:
lincoln fs threaten me says im in boiling hot water, this could mean something, and other words they say. they did not give me credit for my payment. im not doing very well, i was XXXX  also there collection department kept calling all day long after XXXX XXXX mon thru friday. my state rights where violated. lincoln will defend there people, i would not say this if its not true. also im not a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment 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
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Online credit card companies are all asking to send a SMS or text message to pay their bills or even see their statements. I have tried the following companies : XXXX, Amazon, XXXX, and XXXX. I have tried calling each and also their tech support. I can not afford a mobile phone and neither can a lot of other people. They are unwilling to change their access. This is discrimatory!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account Name : XXXX XXXX Account Balance : XXXX Account # XXXX Account Name : XXXX Account Balance : XXXX Account Number:XXXX  Account Name : XXXX Account Balance : {$370.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance:XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : American Credit Acceptance account was closed - Between XX/XX/2023, and XX/XX/2023, your American Credit Acceptance automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better.

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for American Credit Acceptance : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
On or around XXXX of XXXX, I was contacted on line by a representative of Ygrene. They told me I could make badly needed improvements to my home, and have the cost of the improvements paid over time through my property taxes. The connected me with one of their contractors who gave me a quote. 

Ygrene stated they would pay the contractors {$6800.00} and i would then have a lien on my property for that amount. They told me i could refinance at will without having to pay the lien as it would subordinate to any lender and, that i could also pay the lien off at any time without penalty. 

In XXXX of XXXX, i started a refinance and was told by my lender that the lienYgrene established would not be subordinated and that i had to pay it off. I asked for a payoff quote and was charged {$25.00}. on the payoff quote, i was told i was getting a 5 % prepayment penalty to pay off my lien and, more importantly, the payoff quote shows an original loan significantly higher than the contract amount, for a total of {$8000.00}. 

They refused to waive the prepayment penalty, refused to explain why my lien amount is higher than the signed contract amount so now i have to pay extra just to get out of this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by XXXX XXXX Equifax XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
I have accounts on my credit report that I have not opened before. From EOS CCA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate account information : I am dispute any discrepancies in account balances, payment history, or account statuses that are incorrectly reported on my credit report. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted all three credit reporting agency and they are still reporting the samething

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been charged excessive fees and account was closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 my wife wrote a check for {$1800.00} to XXXX XXXX XXXX XXXX. 
The check was presented and paid on XX/XX/2023. 
This morning I discovered the check was rejected and the funds were credited back to my account. 
It was a frustrating experience to try to find out why such action was taken. 
Several bank employees could only tell me that a fraud agent decided not to pay check after calling me. 
No such call was ever received by me or showing on my phone log. 
The solution the bank suggested is to go to a branch or make some additional phone calls. 
Obviously Citi Bank needs to review their procedures and training of their staff. 
It is not the consumer who needs to run around to correct an " error '' of the bank which only benefit the bank by holding the funds longer. 
It is an embarrassment to have a check bounce specially when it is not your fault.

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