vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello My Name Is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
Hello My Name Is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-29 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: MS

Complaint narrative:
On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, XXXX, Transunion, XXXX, XXXX, LCI, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on my credit file.

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 2022-11-29 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: NY

Complaint narrative:
I noticed a number of fraudulent inquiries on my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted Transunion and was informed that they were unable to remove the inquiries for me and that I should contact the ftc directly.

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 2022-11-29 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have an XXXX XXXX which is issued by Synchrony Bank. I have consistent problems with my payments taking weeks to post to my card account. Most months, I pay the monthly statement balance in full. The actual payment is deducted from my personal checking account within several business days of making a card payment. However, it can take several weeks for this to be reflected on my XXXX card balance. My most recent payment posted on my card account on XX/XX/2022, but it is still not reflected in my spending limit/activity. My very first statement/payment after using the card took several weeks to process. When I called customer service, they said that larger payments took longer to process because it was an 'abnormal payment '. I made several follow up phone calls since I was promised that the payment would be reflected in my 'available to spend ' balance, and there was no change. I do not understand why it is taking weeks for my payments to be reflected in my balance/spending availability ; it is negatively impacting my credit utilization. I do not have this issue with any other credit accounts. Whenever I call customer service, I receive a different explanation as to why the payments take so long to post. On the XXXX XXXX website, it does say that payments sent via mail can take up to 10 days to process ; however, I ALWAYS pay my bill online.

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 2022-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I received a call from a collection agency, Hollis Cobb dba Patient Accounts Bureau a few days ago, regarding a debt I do not owe to XXXX XXXX of XXXX. I have never received a statement, email, call or text to inform me that I owe a balance. I have received XXXX XXXX 's from my secondary insurance, because XXXX XXXX keep filing the claim incorrectly. I contacted them after the first XXXX  to inform them of the correct primary insurance information. I do not owe a balance because they have never properly filed a claim with my primary insurance. Now I am being harassed for payment I do not owe by a collection agency. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I refinanced a total of 6 properties with Wells Fargo during my divorce in XXXX XXXXXXXX At time of refinance Wellz Fargo took tax, insurance and XXXX  fees out of the closing costs but failed to make the payment to XXXX XXXX for 2 properties, 3 tax bills and XXXX  fees. Due to nob payment my insurance company dropped my coverage and is refusing to reinstate the insurance policies. I have 3 leins on the properties due to failure to make payment to tax collector and XXXX  fees. I only discovered this when I attempted to file a claim with my Insurance company at my apartment building for sewar damages. Wells FArgo is refusing to help and/or communicate. I have attempted forn2 weeks to get a resolution for all issues.

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 2022-11-29 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/ at XXXX I was charged {$1300.00} from a hotel and another attempted charges of {$900.00}. I contacted Chime and informed them, canceled the card and reached out to the hotel about the situation. There was no reservation with my name and they acknowledged it as fraud immediately. I forwarded the email from the manager at the hotel to Chime where it states to request the charge back and they will approve it. I was informed a few days later from Chime they were waiting on a response from the hotel. I called the hotel and was informed nobody other than myself has contacted them about it. My claim was shortly denied after that. I reopened the dispute sending the email again as well as my timeline from XXXXXXXX XXXX showing me at a bar XXXX XXXX away from the hotel from XXXXXXXX XXXX til XXXX XXXX  They are still giving me the same excuse and denied it yet again. I have spent everyday on the phone with Chime and did all the work for them yet get nothing but headache in return. They refuse to even give me credit so I can pay my rent and phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Steel River Systems, LLC
State: UT

Complaint narrative:
I received a very alarming communication from third party debt collecting claiming that I owe an alleged debt and that they can legally accept payment for it. But I have never spoken to them ever and I did not give them consent to communicate with me. They have invaded my right to privacy and obtained my private information through illegal and criminal means.

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 2022-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed a number of fraudulent inquiries on my XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and was informed that they were unable to remove the inquiries for me and that I should contact the ftc directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I called Spot Loan on the XXXX of XXXX at XXXX and spoke to the company representative, XXXX. I explained that I had joined the military and am now XXXX XXXX, and wanted to invoke my SCRA rights of lowering the interest rate to the XXXX XXXX cap. I also requested for the interest rate to be backdated to the date I joined the military, XX/XX/2022, and to be repaid for the payments made since then. 
He placed me on hold, and then transferred me to the floor manager, XXXX, at XXXX. XXXX said that they can not change the percentage rate @ XXXX XXXX interest, and that there was still a balance due according to the original payment agreement. He refused to lower the rate, and to extinguish the remaining balance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/ Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.

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 2022-11-29 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: TX

Complaint narrative:
I sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly

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 2022-11-29 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: TX

Complaint narrative:
I sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello. 
I opened XXXX accounts with J.P. Morgan Chase back on XX/XX/2022, there was advertising, that the bonus for opening and fulfilling the requirements would be prompted. 
For opening Saving account, putting XXXX $ on that account in the next 20 days, and keeping the balance for 90 days - XXXX $ in the next 15 business days, I posted the amount they wanted on XX/XX/2022, and kept it until XX/XX/2022, with no bonus until XX/XX/2022, For opening checking, it's been advertised I'd get XXXX $ for Direct Deposit that going to come to my account, and XXXX $ for both. called and wrote to customer service, with no luck in getting anything, they stated, the bonus promo code had not been applied, but I used the link, they gave to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: FL

Complaint narrative:
RECORD OF ACTIONS * Tuesday XX/XX/XXXX * Realized they were recording a delinquency * Tried to contact company on website * They do not have number listed * They asked for the account number * which you only get with the card we never received ) * XXXX * Called and spoke to employee # XXXX * XXXX * XX/XX/XXXX * He informed me that * we shouldve received the card since we sent it out * They have been reporting {$43.00} delinquency for the annual fee * I told him Id be happy to pay the annual fee, but since I never received one piece of mail I was not going to accept them reporting me late * I asked to speak to someone that could take that delinquency away. 
* He would not give me an account number or forward me to the the proper person who could help until I paid my late fee. ( Which was the very thing in question ) * Then he told me the only way to contact the people who could help was through FAX number. ( Which he refused to give me ) * CREDIT BUREAU * I contacted XXXX directly and disputed the charges * I also reported a fraud * File # XXXX * CURRENTLY * I have an pre-paid credit card account on my credit bureau that I applied for, was approved, never received and has been charging me and now has been showing me delinquent * I do not have a card, card number, account number, can not sign into the account, nor have I ever charged anything * The only way they will attempt to resolve is via FAX and only if I pay what I supposedly owe first

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am a victim of identity theft and someone has used my identity to obtain goods using my personal information.

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 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
The collections company sent a text message to a former spouses phone number that I have not been associated with in over 5 years. The text message stated Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter our office is handling. We have convenient payment or discount options online at www.paycpc.com using your agency ID : XXXX. You can also contact us at XXXX. Thank you. Text STOP to unsubscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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. 

Account name : XXXX XXXX XXXX Account 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 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 2022-11-29 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: VA

Complaint narrative:
In XX/XX/2022, I submitted letters to each credit bureaus, Experian, XXXX, XXXX stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, Experian, XXXX, XXXX stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police corporation. I submitted all the documents request from the credit bureaus and still nothing.

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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I went with my sister and brother in law to buy XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I went in as after they we denied loan to act as a reference and the loan was placed in my name and my brother in law as a second signer because my income wass greater. 
I now run my business and it's absolutely effecting my credit. 
U have explained to XXXX XXXX loan but there is noting that can be done.I NEVER received details of amounts of loan, APR or terms.

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