vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I opened a credit card with Chase Bank in XXXX XXXX. At the end of XXXX XXXX, Chase closed my credit card with absolutely no warning. Which dropped my credit from a XXXX to XXXX. The reason they closed it was because after reviewing my account ( after they already accepted me and opened an account ) that I had too many credit card accounts already opened and the other reason that they closed the account was because we went over the credit limit by XXXX CENTS. After a XXXX XXXX phone call with Chase on XX/XX/XXXX, my account was placed under review to see if it could be reopened ( had to pay {$70.00} before they would put it under review ). On XX/XX/XXXX, I received a call from Chase stating after the review my account has been reopened. On XX/XX/XXXX, 3 DAYS later, Chase closes my account without any warning again. This causing my credit to drop from a XXXX to a XXXX. Forgot to mention, we were beginning the process of buying a house, which chase knew about before closing the account the a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
I Consumer, XXXX XXXX submitted the attached disputes to Equifax on XXXX XX/XX/2022. 
Upon review of my right and reports I submitted a dispute to Equifax requesting the listed accounts on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I made a purchase on XX/XX/XXXX in the amount of {$170.00} and indicated to charge my XXXX in error which I immediately change to my XXXXXXXX XXXX on file. My confirmation of the purchase indicated the XXXX was to be charged, however both accounts were charged. I disputed the charge on XX/XX/XXXX. I received a letter dated XX/XX/XXXX requesting more information which I sent on XX/XX/XXXX together with a letter outlining what had happened. I then sent a second letter on XX/XX/XXXX and a third letter on XX/XX/XXXX. I also had called several times and was told the dispute was in process but never received anything in writing. I also during this time had another dispute which was resolved quickly however may have led to confusion concerning this dispute. I have requested by XXXX account to be refunded. Order # 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 monetary relief
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On my XXXX it states that I am deceased I received a letter from the credit bureau stating that that would be removed from my credit report its been almost a month now and they have not removed it from my credit report it still shows that I am deceased I would like to have that removed from my credit report I have copies of the credit file confirmation number XXXX stating that it been removed from my credit report but every time I check my credit report it is still there Im gon na enclose the confirmation file stating that its removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I purchased a Vanilla Visa XXXX for the amount of {$50.00} plus fees. It was supposed to be delivered within 24 hours if not sooner. After a few days the recipient still did not receive it. She looked in junk mail, deleted and her regular email account. I wanted to cancel, but after different phone numbers and numerous phone calls I was not able to resolve it. When I did get an answer the woman did not seem legit. Many clunking noises as she looked up my account. Said it was delivered, but was not. Created a dispute with my credit card, but then the recipient found three in her deletes which was not there before. I am unsure if there is a balance, but will check with friend. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: NJ

Complaint narrative:
These companies have violated my consumer rights. I have reached out to them numerous times and they are now willfully non compliant. I exercise my right to privacy.

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 2022-03-31 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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything reporting on my credit report and I never gave that authorization. 

1. XXXX XXXX XXXX XX/XX/XXXX {$350.00} 2. XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against Equifax. No third party is involved. I was unable to retrieve my annual credit report. I called in and spoke with a rep and was still unable to retrieve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Troy Capital, LLC
State: SC

Complaint narrative:
Being sued by Troy capital for a debt that is time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 @ : 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 explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Direct deposit arrived to my bank account and was on hold for a few days. Upon contacting them they finaly saw the deposits for the amounts of XXXX, XXXX and XXXX dollars respectively that arrived to the coinbase XXXX  between the XXXX of XX/XX/2022. After many days making phone calls between banks and sending them complain tickets to get my money resolved they ended up cancelling the direct deposits because they thought it was fraud without returning the money to the original sender. That money was from my XXXX XXXX work and i think they somehow confiscated the money because after weeks those funds never were returned. I have receipts and evidence of them admitting they've seen the funds hitting my account without clearing them. I need this money for a family of XXXX including a baby and cant loose my money just because they thought the money was fraud. If they didnt want to accept a direct deposit they should at least return it to the original sender so that the funds can go to the correct person. I am a XXXX XXXX XXXX  and those funds were hard earned and needed for food and housing needs for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
For greater than 25 years I had been a customer of BB & T. Last year, BB & T became Truist. Then the problems with logging on via computer and making mobile deposits. And, Truist, without any fanfare or warning, decided to not offer any senior checking accounts. Nothing. Then. When Truist took over, it became increasingly difficult to sign in ( i.e., user name and passcodes not long worked even though when the changeover occurred, I changed password as instructued ). I regularly make 3 to 4 mobile deposits per month and check my balance via computer. As I mentioned, I'd been a BB & T customer for 25 years using the same computer device for 10+ years and the same phone number for 15+ years. Now, nothing is recognized. Because I was unable to make a mobile deposit yesterday, I had to take 3 busses and travel to a TruisXXXX bank in XXXX XXXX to make a deposit. I do not drive. I am XXXX XXXX XXXX, etc., etc. 
CFPB should " over '' regulate this arrogant and incompetent bank. I'm just a little old lady and even I can use a computer and a phone. Truist is a multi-million/billion dollar entity and one would think they'd get thir IT system on track.

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 2022-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
This debt collection has been going on for XXXX ( XXXX ) years. I have repeatly ask them to stop filing garnishments on me for a debt that I do not owe, and for XXXX that they never sent or produce a bill pertaining to the date. Instead, every 5 to 7 years they continue to file this in the courts. This is causing problems with my employment and adding stress to my life. In XXXX I received notice that they would not file the case was dismissed, also in XXXX ; however, now in XXXX here we go again with the same fradulent file. As of this date, they still have not produce a copy of a bill as I have repeatedly ask them to forward to me. This is a problem that I will differently take to every level I can to stop these types of actions against me, for 20 years of harassment and never producing proof of a debt is just totally illegal practices and I have repeatedly ask them to stop of provide proof of a bill and a letter of intent that I received concerning the so call debt. Why would you mail someone a letter saying you dismiss it and then you do the same thing in a few years.This is obvisously, some lawyer debt firm that buy someone name and then harrass them pertaining they are working for the company. They are claiming they represent XXXX XXXX XXXX, when the company knows nothing about a garnishment being filed on me. There is no documents because I never receive a bill from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
since XXXX XXXX XXXXXXXX I have been having problems with online banks running my credit, while reviewing my current report it seems like the issue origionated with trans union and I have XXXX years experiance reading credit. I notified them and the patched my call over to XXXX XXXX  whom is a credit repair company. Per secition 609 of fcra there required to update and fix my information which has been sent 3 times since XX/XX/XXXX yet they are not removing it. Seems like this all stemed from putting a freeze on my report from XX/XX/XXXX to XX/XX/XXXX once the 90 day freeze lifted I got wacked with XXXX hard pulls and XXXX pages of promos which it appers like trans union sold my info to begin with then refer me to credit repair,,, Can you say criminal conspiracy rememeber I have XXXX years experience reading credit. I dont apply online for anything or even pay bills online do to lax security its hurting my credit report an easy XXXX points

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}

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 2022-03-31 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: PA

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX XXXX XXXX Balance : {$2400.00}

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 explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX  WILL NOT STOP CALLING. 
I HAVE INFORMED THEM THEY HAVE THE WRONG NUMBER. 
CALLERS ASK FOR XXXX AND PROCEED TO ASK ME TO PAY A DEBT TO FLAGSTAR BANK.

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 2022-03-31 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: FL

Complaint narrative:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.

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 2022-03-31 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: LJ Ross Associates
State: TX

Complaint narrative:
There was a fraudulent gas bill add to my credit report via LJ Ross & Associates in which they claimed to have purchased this debt from XXXX XXXX. I contacted the original debtor ( XXXX XXXX ), provided them all my pets information & police reports. Peoples gas sent me a letter saying they made a mistake & they would notify all 3 credit Bureaus to remove this debt immediately. I sent copy of this letter to LJ Ross & Associates and they still wont remove this fraudulent debt that I have proven is not mine.

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 2022-03-31 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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