vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company is not licensed to collect debt in New York XXXX. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased three air conditioning units on XX/XX/2022. One unit was cancelled and credited back to the account. The next two units both arrived damaged in transit and boxes soaked and opened. I tried contacting the company directly. They said to return the items in original box. I sent one unit back but the second one they refuse to take. Upon further inspection I found that XXXX XXXX XXXX XXXX has a horrible track record for customer service. I provided this information to Chase and they still have not issued a permanent credit. I hired an independent XXXX repairman to tell me the issue. His report is attached and has been forwarded to Chase Bank. You will see that he states the air conditioning unit is defective and damaged and needs to be replaced. Chase has provided temporary credits but they need to make them permanent as the company refuses to refund XXXX XXXX for the damaged XXXX units.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: NY

Complaint narrative:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.

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 2022-11-07 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: NY

Complaint narrative:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have received several phone calls from Comenity Bank in regards to a Victoria Secret credit card. Today XX/XX/2022 after telling them on XXXX different occasions to send me validation through the mail, Friday XXXX being most recent. Approx XXXXXXXX XXXX XXXXXX/XX/2022 My mom answered the phone after they called XXXX  times in XXXXXXXX XXXX from a private/ unknown number. The representative said my name XXXX XXXX, my mom asked who it was she said Comenity Bank in regards to Victoria Secret you made a payment back in XXXX how close are you to making another payment. My mom asked how much is was for she gave her the amount of over {$200.00}. My mom proceed to tell the rep this wasnt XXXX and she paused and hung up. I did not know that my information could be given to anyone who answers my phone. I also dont understand why instead of mailing my letter they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2022, my wallet was stolen in the area of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, at approximately XXXX XXXX XXXX XXXX XXXX, I realized the wallet was missing and began calling PNC and other credit card companies. At the time, PNC was my bank and I had XXXX active debit card for XXXX account at the bank. By XXXX, PNC had already allowed a purchase for {$980.00} at XXXX XXXX, despite the thief not having my PIN number. I immediately disputed the charge and provided a XXXX Police Department report number to PNC regarding the theft of the wallet. It took XXXX days, but PNC reimbursed me for the {$980.00}. The debit card was cancelled immediately on XX/XX/2022 and another was issued. I received and activated the new debit card on about XX/XX/2022. 
On XX/XX/2022, an unknown and unauthorized person went to a PNC bank branch in XXXX and apparently presented my stolen identification. Despite the fact that the user did not possess my account number, PNC bank provided the account information to them and allowed them to withdraw {$1900.00}. On XX/XX/2022, I noticed the transaction and immediately reported it to PNC Bank. I filed another police report and worked with the XXXX Police Department who went to the bank branch to obtain video footage of the criminal. But, the detective learned that PNC bank provided this {$1900.00} to a person who was in the drive-through of the bank and there were no video cameras in XXXX XXXX through. I called PNC every day for XXXX days, and I personally went to the bank branch on XXXX XXXX where I was shown a copy of the withdrawal slip with my forged signature. The account number was on the withdrawal slip ; therefore, the teller had to have provided that information to the criminal. 

I was told it would take no less than 60 days to receive a refund of the stolen money. I called PNC twice more and then visited the PNC Bank on XXXX XXXX where the matter was escalated. At the time, I was told it would take 120 days to receive a refund of the money that was stolen. I offered any assistance to the investigation, but no investigator from PNC has contacted me to date. 

On XX/XX/2022, a PNC customer rep emailed me and apologized for not having an update on my claim and said he was having trouble getting in touch with the investigators at PNC. 

PNC has committed, at best, gross negligence. And I cant pay my bills because they wont return the XXXX they have to a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my JP MORGAN CHASE BANK account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchased a free trial with Experian credit works and unable to look at my recent credit score with other two bureaus and Im getting error messages while refreshing a credit score and Im unable to get that score and Experian needs to fix the error

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 2022-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient was my student loan servicer and provided me with wrong and misleading loan information while steering me into accepting a loan forbearance which has harmed my economic interests. 


NAVIENT and as well as XXXX are criminal organizations that are actively harming millions of Americans like myself. As a result of accepting the forbearance due to Navients intentional bad information, I am now foreclosed from participating in several opportunities to pay down this debt. 

Please help. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. 
XXXX Cell # : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX account # XXXX, Account name : XXXX XXXX account number : XXXX, Account name : XXXX XXXXXXXX account number : XXXX, account name : XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX XXXX account XXXX, account name : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with Trans Union, and XXXX. The inquiries XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-11-06 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: DISCOVER BANK
State: PA

Complaint narrative:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " Discover, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately " Discover, '' # ( XXXX ) The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave " DISCOVER '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-11-07 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: NY

Complaint narrative:
In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This company is not licensed to collect debt in New York State. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: GA

Complaint narrative:
On XX/XX/XXXX, I checked my bank account as I prepared to pay my daughter 's college fees. I saw that the amount of {$6900.00} had been withdrawn from my bank account without my authorization. The transaction description said XXXX XXXX XXXX, XXXX. I called the number. It was a Wells Fargo number that would only be answered on weekdays. When I tried to report the fraudulent transaction to the bank, they did not create a claim. The fraud department put me through to the claims department. The claims department informed to that I needed to call the number because they could not create a claim without a merchant being listed. I explained to them that if there was no merchant listed that the bank needed to return the funds to my account since I did not authorize the transaction. I was told to call the XXXX XXXX XXXX number to receive further assistance. In addition, there is no option for me to dispute this transaction in my online banking account. When I tried to create a dispute this transaction was not listed. 
I am very disappointed in Wells Fargo and now understand how the victims of their fraudulent scandals in the past felt when bullied by this institution.

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 2022-11-07 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..Acima employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
The gift card was issued XXXX this year and I discovered today it expired XX/XX/XXXX this year. {$140.00} was invalidated. According to CFPB gift card funds need to be available for 5 years ( https : XXXX ). I called the company and the answer is no replacement card will be issued.

Company response to consumer: Closed with monetary relief