vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were some unpaid last bill ( {$320.00} ) that I was not aware of. XXXX XXXX account closed in XXXX and I could not get any notification from them since thenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2021 and I finalized my new residential place and changed my Driver license in XXXX. 

XXXX XXXX and Amsher sent notice to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not receive those letters. They filed a collection in XXXX, which hurt my credit record for XXXX and XXXX. I noticed the drop of my credit report and found out what's happened via XXXX. I just called Amsher Collection and paid my debt immediately. Now the balance is XXXX. 

This collection is caused by wrong address record. I did not intent to delay the payment. I ask the credit bureau to delete this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I bought a TV for under {$3000.00} and in XX/XX/2022 Best Buy Citibank charged over {$1400.00} in interest. I made an automatic payment to their website throughout and after my purchase. 

This was supposed to be no interest for 24 months. I am being charged over 50 % in interest and have no explanation from the company. I am disputing and reporting this unethical business from Citibank XXXX. I am not the only consumer being overcharged. Deceptive promotion over 24 months of no interest ever specifies an outrageous claim. I have no idea how this was calculated and was not aware that I will be charged this higher from no-interest financing. I would of used a different credit card had I known this.

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 2022-11-18 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: HW Holding, Inc
State: IA

Complaint narrative:
Name of Furnisher : XXXX XXXX  amount {$700.00} Collection Agency reporting incorrect Info : Hunter Warfield Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Name of Furnisher : XXXX XXXX amount {$700.00} Collection Agency reporting incorrect Info : XXXX XXXX Date I made pmt : XX/XX/XXXX cashier 's check from bank was mailed to XXXX XXXX XXXX. 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with XXXX. They did not update report. 
XX/XX/XXXX Filed dispute with Experian.

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 2022-11-18 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: CO

Complaint narrative:
In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX XXXX Account number # XXXX Account name XXXX XXXX XXXX XXXX Account number # XXXX  XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer 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 2022-11-18 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: CO

Complaint narrative:
In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX Account number # XXXX Account name # XXXX XXXX  Account number # XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX Account number # XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2022-11-18 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Several months ago I tried to close my Citibank Costco Anywhere Visa card. I have not used this card in years, received a statement for my " automatic '' Costco membership renewal, and called to cancel both the credit card and my Costco membership. After at least a dozen phone calls, I was finally able to cancel the Costco membership and thought I had gotten the credit card zeroed out and closed, but no ... I keep getting statements for {$2.00}, now {$3.00} and they just will not get this right. Please tell them to zero out this account and to stop sending me statements. They do not and will not listen to me. 

Also, please stop allowing companies to force customers into automatic renewal situations. Not only is it a time-consuming nuisance for those persons who are fully sentient and do not wish to continue, but an impossible situation for those persons who are no longer fully sentient. And an automatic renewal is not always an immediately-detectable situation to caregivers and guardians. 

Thank you, XXXX 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 explanation
Consumer complaint received 2022-11-18 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXXXX/XX/XXXXThe purchase was completed. A few days later I received a letter from XXXX XXXX, advising me that they denied offering a loan to me because of my credit score of XXXX ; research by SageStream LLC. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by XXXX was contrived by them. 
It should be noted I've had a RV vehicle loan for the last XXXX with XXXX. ( never a late payment ) I was using the RV as a trade in for the XXXXXX/XX/XXXX I was purchasing. 
I've filed a dispute with Sagestream LLc as well. The info listed with them is not different from XXXX and XXXX XXXX. 
I personally think XXXX XXXX With SageStream collaborate on with whom to grant loans to. 
The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Chime Financial Inc
State: CA

Complaint narrative:
Two transactions were made in XXXX XXXX for {$75.00} and {$77.00} at XXXX XXXX. This was at XXXX XX/XX/2022. 
I noticed immediately while I was grocery shopping in XXXX at XXXX. Where I made a transaction around XXXX in XXXX CA XXXX I called my bank chime immediately at XXXX and filed a claim disputes for both fraudulent charges. I provided photo evidence of the transaction through my XXXX XXXX app, but they decided that the charges will be deducted from account and not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report shows a XXXX  loan balance from XXXX with the most recent balance from XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX and was forgiven on XX/XX/XXXX. Ive disputed the balance three times and each time provided more information. In the last dispute I provided a copy of the notice of the loan transferring, a copy of the notice that the loan was forgiven, and copies of screen shots of XXXX website showing a XXXX balance and a copy of XXXX showing a XXXX balance. My credit report appears as if I have {$98000.00} in debt that I dont have. Each time they close the dispute and the only change is a note that I disagree.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Last month I contacted USAA to change the delivery method of my credit card statement from paperless to paper statements due to the bank cancelling my membership and locking me out of my account since XX/XX/XXXX. I was not able to make a payment on the charged off credit card since XX/XX/XXXX and I still have not received a paper statement from USAA to make a payment on the credit card bill. There are three options for me to make a payment either through phone, online, or mail. I am not making a payment by phone or online due to USAA cancelling my membership and locking me out of the moble app for over a month and half therefore, I requested to receive a paper statement since last month and I have not received the statement to make a payment. I do not trust USAA with my current banking information due to their constant harassment and white supremacist acts of withholding and doing what they want to do with the money I earn by going to work since the year of 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 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally financial Has violated my Consumer Rights charged me extra on the same week has stated late fees falsely has discriminated my language barrier i plead further investigation to this bank institution they are violating consumers rights with no Control

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America is reporting to the Credit agencies incorrectly as I am an authorized User on my husband 's BOA Visa card and in no way responsible for his debts. I have my own BOA  credit card. My credit score went down considerably because my husband made a large purchase on his card which hit MY credit score. ( XXXX XXXX to mid XXXX!!! ) My available credit is in no way near what my husband 's available credit is so it hits my report considerably and erroneously I might add. 
That should be illegal as this debt shows on his and my credit report! I am in way responsible for his debts on this card. 

XXXX  XXXX di the same to me a few months ago and we took me off as authorized user which is what we did this morning to BOA 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 2022-11-18 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX ( closed Accounts ) 15 USC 1681 section 602 A. 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 an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: MD

Complaint narrative:
Experian is steel reporting the Inquiries that are false and fraudulent and they hurting my credit report Experian keep Violating my rights as a Consumer and the Inguiries was not never remove Under Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information So all Inquiries need to be remove

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 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX I transferred {$250.00} to my other business bank account and {$750.00} to another recipient from CHASE bank. Neither of us received any money. I called Chase Bank and they launched an investigation and said they would call in XXXX days. Nobody contacted me, I had to call and said call back in a week and it should be refunded. I called back and they said they cant refund my {$1000.00}. I have called 5 times and every one I talked to is making me out to be a liar. I am furious and this is unacceptable! I have been with Chase bank and making a lot of transactions and this is total disrespect. I have been lied to, and given misinformation. They will say contact XXXX, however in their clause they are not liable for any transactions involving your online bank. They are only liable if you transfer money through their app. Pleas help to resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXXXXX 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 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 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 to any 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 explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Automatic payment for month of XXXX was withdrawn from my checking account on XX/XX/XXXX. The amount wasn't sufficient to cover new payment amount and was notified of a missed payment. When I logged in, my only option was to pay the full mortgage payment and not the difference owed. I was notified again of missed payment on XX/XX/XXXX and when speaking with a customer service rep I was notified that I can only make a full payment and not the amount owed via their website.

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 2022-11-18 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank is saying I'm responsible for - {$100.00}. My account had a fraudulent charge of {$200.00} from an unauthorized person or place. The {$200.00} went to the fraudulent department and was settled. But, I put a freeze on my account and stated that I had 4 authorized transaction coming out. At that time it was - {$310.00}. They are trying to say that I'm responsible for this amount and I'm not. They claim that they refunded 3 overdraft amounts in which none went to the - {$310.00}. Please look into this matter. Thank You.

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