vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In order to make sure I had a cushion to support my family, I took {$2700.00} out of my checking account and paid down my {$6000.00} balance ( also my limit ) on my credit card. I was hoping that this extra funds on this card would be able to pay for household expenses and be a backup in case I needed it. I had recently missed a payment due to having XXXX and as SOON as I make this payment ( and feel peace of mind that I have a backup source of money on a credit card ), Chase does a periodic " review '' and decreases my limit by {$2300.00} - almost the exact amount of my payment. Therefore, the money that I had put on this account was basically gone. I called and they seemed sympathetic, said the only thing they could do is review my credit bureau and make a decision over the phone and see if they can reinstate it. I received NO LETTER that they were decreasing it until after they did it. The lady asked me intensive questions on why my balances were high and I explained it was due to having hotels and food for my family while they had XXXX and then she denied it. 
Chase took my money and was extremely deceptive on decreasing my credit line to almost the exact amount of money that I paid it down after only one month being late ( when I have had this card for over 5 years ). 
This was so deceptive in their practices and if I would've never made that payment, they wouldn't have decreased my limit. 
Now I have to figure out how to support my family - thanks Chase. I will NEVER have a card with you again because you are SO deceptive in your practices and I hope you get a UDAAP violation for the way that you handled my account. I will NEVER ever work for you or have your card in my wallet because you are not understanding and don't care about the humans that support your company with their money. Take a lesson from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I received a letter from Resurgent Capital Services stating i owe a debt from XXXX for {$21000.00}. First of all, i have no idea what this is about. I sent them a debt validation letter on XX/XX/XXXX. I just received an account summary report/letter from them on XX/XX/XXXX dated XX/XX/XXXX, which basically states the same thing they sent the first time, via mail. Their documents do not give out the full account # as requested to verify any relations to this matter ; just a resurgent reference #. 

The statute of limitations on collecting an auto debt in Louisiana is 3years. The listed origination date is XX/XX/XXXX ; Last payment rcvd XX/XX/XXXX ; Charged off dated of XX/XX/XXXX ; Account acquired XX/XX/XXXX. Today 's date is XX/XX/XXXX, which puts this matter 15years well beyond the legal and enforceable timeline. 

I would like them to delete my name and information from all of their records, cease and desists from ever contacting me or any affiliation of my name and address ever again, as I do not owe this debt. Doing so will violate laws put in place to protect consumers from shady, illegal and unfair practices & tactics like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
On or around XXXX XXXX I reported to Grain Technology , Inc that I needed to change my bank account so to fraud issues with my XXXX bank account. No one ever responded until XX/XX/XXXX saying they are backed up completely ruining my credit and livelihood .i finally was able to use my account and Im XXXX XXXX I paid XXXX $ onto my bill and my bank statement shows they took the money. On XXXX XXXX I received a email sayin it did it clear. But my {$40.00} is still gone and it shows no payment on they credit app.these people are plying with peoples livelihood and relying on a computer to run the business They dont respond and add multiple late payments to your credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I checked my credit report and found a bill reported written off by Credence Resource Mana on XX/XX/22 in the amount of {$120.00}. I had no knowledge of this bill. I tried talking to the company ( XXXX ), on XX/XX/22. Was told I needed to give them my credit card number to be charged {$120.00}. I had no knowledge of owning any company any money. No bill, no emails, or phone calls. I refund to give them the money and they got very hostile to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I paid the XXXX XXXX. They keep billing it to me. I have submitted copies from my banking institution and copy from web page showing paid. The store card changed banks and it comes back. I submitted same documents. I have paid this I dont understand their problem.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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  Thank you once again for the concern

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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  Thank you once again for the concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: VA

Complaint narrative:
I am a natural person, I am Living Human Being.I have Rights under 15 USC 1681 Equifax is govern By 15 USC 1681. And they violated my rights numerous of times I demand the account below listed to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not Give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX IF XXXX An also the list of unauthorized inquires that also are reflecting on Equifax that are going against my consumer rights as a living person. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Acceptance, LLC
State: VA

Complaint narrative:
They send me a letter stating everything was paid for. I took the letter to the courthouse in 2017. All was resolved. The company has gone out of business no longer exists and they are still trying to do this after I have shown them their own letter and have explained it isn't legal for them to put this on my credit

Company response to consumer: Untimely response
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The dispute is with Chase. It is involving an interest charge that I do not think is fair. I carried a balance for a couple months and then paid the full balance. They charged me interest after I had a XXXX balance and claim it is due to the previous balance. I have had similar situations in the past and was never billed this way. I called and spoke with three people so far including a supervisor and I have been told they can not credit the account for this fee. The amount is not much which is why I do not understand why they cant credit this since I believe it was in error. The amount is {$28.00} which would be due by XX/XX/XXXX likely with more interest still on what should be a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: CT

Complaint narrative:
Audi Financial Services ( AFS ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to Audi Financial Services in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from AFS, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. Disposition fee. 3. Personal property tax owed. 

I requested a complete ledger from AFS via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX XXXX through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, XXXX XXXX XXXX XXXX, in an attempt to collect {$810.00} on behalf of Audi Financial Services. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 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: AZ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX and TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor TransUnion written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED / XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX of 2022 at XXXXXXXX XXXX  I paid a total amount of {$2100.00} to the National Recovery Agency. They charged me a processing fee of {$7.00} making the total amount {$2100.00}. I had four debts that I paid off that day. In return they were to send a request of deletion letter to the credit bureaus so that these debts would be taken off of my credit score. The National Recovery Agency has only removed one of the four delinquent payments that I paid off that day. On XX/XX/XXXX and amount of {$1100.00} was removed from my XXXX credit report. A total amount of {$1000.00} that I also paid off that day was not removed. This company is very unprofessional and very rude I called them to settle the debt because I was unaware that these were owed and they treated me like a second-class citizen. They talked down to me as if I was not smart enough to understand anything they were saying. And I feel that they did not do what they had promised.

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 2022-08-16 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: DISCOVER BANK
State: MN

Complaint narrative:
I have a Discover credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with Discover card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from Discover is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I traded my vehicle off and Chase received my payoff on XX/XX/2022 it is now XX/XX/2022 and they have still not processed the payoff. This is causing my account to be past due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MD

Complaint narrative:
I am a natual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed/deleted because according to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
To Whom it May Concern : Enclosed with this letter you will find from Collection Bureau of America : Initial collection letter Validation letter Response They provided this from when I disputed with the Consumer Financial Protection Bureau ( CFPB ) case # XXXX on XX/XX/XXXX. 

I am still disputing this as my debt. 

However, it has now been over 5 years from when this debt was owed which was originally from XX/XX/XXXX as I live in the State of Florida and its now past its statue of limitations.

In fact, in the letter from Collection Bureau of America they clearly state at the top : ( 3 ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in Section 605 ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.

Per the law as I understand it, and as they have in fact stated themselves. This is past the 5 years in which they can collect, are not able to sue, and they will not report to any credit reporting agencies. 

Please have this debt completely removed from all of my credit reporting agencies as soon as possible. 

Please see attachments to this complaint which are : - drivers license - social security card - proof of mailing address - my letter about the claim - XXXX 's validation letter - XXXX 's response letter - XXXX 's initial debt letter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: AZ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX of this year I received a checking account statement from Bank of America, which I did not open. I called and informed them of the fraud and was assured it would be closed. ( I immediately reported the identity theft to the FTC. ) In XXXX I received another checking account statement, I again called and informed BofA of the fraud. In XXXX I received a threatening letter saying I was going to be reported the XXXX XXXX and XXXX XXXX XXXX and would not be able to establish a future banking relationship for five years, as I had not presented them with proper identification!!!! I called them again. Next day I received another checking statement!! My credit score has tanked and they will NOT listen. They obviously opened the account sans any form of ID. How disturbing is that?

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 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express account customer for 23 years. Offered a Platinum American Express product through my online account. Card and details sent to my secondary address for consideration. Never activated card and refused offer. American Express charged the account an annual {$690.00} fee. I spoke with customer service explaining that I did not agree to the account terms and did not want the account, that's why I never activated the card and obviously never made any charges to the account because I had no intention of using the product. 

I was told that I would be charged the annual fee for the card and owed the {$690.00} fee regardless. I explained that I was and never intended to use the product and that my inactivity and lack of card activation revealed my intentions. Because 30 days had expired, they explained I missed the window to reject the offer. I never agreed to the card in the first place, and after 30 days of not activating the card, that should be an indication of my intention to not use the service. This also provides protection for the consumer.

Company response to consumer: Closed with explanation