vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  Account # 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

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 2022-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I been victim of identity theft I lost my wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is my second time reaching out to the agency about Bank of America not honoring my claim dispute with XXXX. In XX/XX/2022, I contacted Bank of America and informed them that my account was fraudulently charged by XXXX in the amount of {$230.00}. In XX/XX/2022, I filed a complaint with the CFPB because my claim was denied by Bank of America. In XX/XX/2022, I received a call from the XXXX XXXX representative and she explicitly told me to refile my claim because the initial dispute was incorrectly filed as a billing dispute. Accordingly, I filed my claim again with Bank of America and my account was issued a temporary credit. Well last week, I received a letter indicating that my claim was denied because it was a duplicate. This is ridiculous and I followed all instructions provided by the BofA representative. Most important, their response letter affirmatively told me to refile my claim. BofA is violating my consumer protection rights.

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 2022-04-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
Did not receive notification of debt and if it was sold or ability to dispute. Requesting proof and account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I was sued for a credit card bill while I was in the hospital. I paid the balance of the judgment as well as an extra {$160.00} to cover the post judgment interest. This payment was made directly to the court prior to the court date for garnishment. After this payment in full, the lawyer for the collection agency has filed multiple court papers trying to collect this debt ( that is already paid ) and has even gone so far as to get a garnishment order with the court because the attorney never updated the interest due with the court, the over payment to cover the interest is still sitting in court escrow. Now 30 days past the date of the payment this collector as a garnishment order for money that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022 I had an appointment at a Chase branch at XXXX XXXX XXXX, XXXX, GA XXXX to open a Checking Account on a email promotion I received from them. 

I went there with my wife and wanted to open up a joint checking account. The name of the bank representative was XXXX XXXX. ( NMLS ID : XXXX ). 

She was very rude from the start of the conversation. She asked where are we originally from. We told her we were from XXXX XXXX. She asked for ID 's and was taking a long time to process our info. Eventually she said I have no proof of address and I can not open an account with Chase. 

At that time I had a Personal Credit Card Account, Business Credit Card Account, Business Checking Account and 2 separate Business Credit Card Processing Accounts with Chase. I listed my accounts but she became visibly aggravated. She started raising her voice and had a condescending attitude.

She stated that the Business and personal side of Chase are 2 different companies and that she will not be able to open an account unless I can provide proof of address.

As both me and my wife had 2 ID 's with us and my new residence is in the name of my Wife, we offered to sign a lease agreement on the spot. She then said she does not have a piece of paper we can sign a lease on.

Then I asked if she can print a document I sent to her email. She replied that the branch printer was broken. 

After that I asked to speak with the Branch Manager but she refused and asked us to leave. I refused to leave and I stated I am a customer and I refuse to be treated this way. She got very angry at that point and started threatening to call the police if I don't leave. She was repeatedly calling me " You ( pause ) trash ''! 

I left. I later found out ALL MY ACCOUNTS ( Business and Personal ) had been closed by Chase. 

Moreover, while the investigation was ongoing Chase locked {$73000.00}. Out of this sum {$40000.00} were received by Chase while the account was closed and I did not yet know about it. 

They said they will do a internal investigation but I will not be notified of the outcome of that investigation. 

I have an excellent credit score over ( XXXX for the last 5 years ) and I never had overdrafts or suspicions transactions. 

I strongly believe I was discriminated and racially profiled based on my national origin and race. The evidence to this will be the email that I received from Chase confirming my address was in fact changed to my new residence while I was still in the branch. 

The language used was unacceptable. The excuse to not open an account is provable false. 


Chase case # XXXX Attached you will find : - XXXX XXXX XXXX XXXX - Promo Email - Copy of my final check - Copy of my last Statement - Address Change Confirmation Email - The email I sent XXXX with Lease Agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: PA

Complaint narrative:
FLAGSHIP CREDIT HAS BEEN DISPUTED WITH ALL 3 CREDIT AGENCIES FOR INCORRECT REPORTING, CREDITOR NOT VERIFYING AND VALIDATING THE DEBT, SHOWING ANY PROOF OF CONTRACT WHIT VIOLATES 15 USC 1681 CONSUMER REPORTING LAWS. THIS ACCOUNT NEEDS TO BE REMOVED FROM XXXX AND XXXX, AS XXXX HAS ALREADY REMOVED THE ACCOUNT. THERE IS NO SET CONTRACT WITH FLAGSHIP WHICH PROVES THAT THEY WERE NOT GIVEN PERMISSION TO REPORT AN ACCOUNT TO THE CREDIT AGENCIES.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
After the breach by the cash app employee, multiple attempts were made against my account to use my card at XXXX. Most were denied due to suspicious activity but one was paid and Im out XXXX XXXX Cash app referred me the XXXX but I dont have an order number or anything to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-18 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX, I have an auto loan listed on my account as well as several inquiries that are not mine. I have filed an affidavit with Federal Trade Commission as well on this matter. I am asking this information is removed from all 3 credit bureaus in accordance with 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. 

These accounts should not be on my consumer credit report and under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I DID NOT, AT ANY TIME, give any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights. NO CONSENT IS IDENTITY THEFT and am requesting the deletion of the accounts listed VASTLY from all 3 bureaus. 

Fraudulent Accounts CREDITACPT XX/XX/XXXX {$13000.00} XXXX Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/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 2022-04-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-04-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Loans are not the same on all XXXX credit reports so something is inaccurate and I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report

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 2022-04-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed several times to equifax and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
TELERECOVERY COLLECTION/CHARGEOFF $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, LA XXXX XXXX XXXX ) XXXX This collection agency claims that I owe {$170.00} for a doctor visit that was canceled. They are trying to collect for a service that was never given. All previous appointments were paid in cash with receipts. This was not a lender but a doctor visit. The company would not return my calls about the matter and did not respond to my written letter. This is affecting my credit and they have yet to provide specifics so that I can prove it was paid. I DO NOT OWE THIS DEBT. Please tell me how to remove this from my credit info. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Purchase contract started on XX/XX/XXXX. The term was for 72 months. As of XX/XX/XXXX I am being told that the balance is {$10000.00}. Which means in 6 years Global lending have only credit to my account appx {$5000.00}. The Purchase price was only XXXX and I put XXXX down so the finance portion should not have been over XXXX. I have paid my note on time every month and they are still charging me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for an XXXX  card after receiving a promotional brochure during a flight on XXXX. I received the car in XXXX but couldn't activate it until XXXX because someone had entered the wrong birthdate. Once I got it activated, I used it to buy another flight on XXXX. MY bill came and I noticed there was an annual fee on it. The promotion I signed up for was for XXXX miles added to my account and no annual fee if I used the card. I have called and talked to numerous people. I have received calls from their billing department insisting that I pay the annual fee and the interested I am now being charged for not paying that {$99.00}. I paid for the ticket but not that annual fee. Finally, someone asked for the promotional code and when I gave it to her, she said I had to pay an annual fee. I was holding yet another brochure in my hand and read to her the statement from the brochure that there is no annual fee the first year if I use the card. I told her I wanted to cancel the card but she said she can't do that until I pay the annual fee and interest.

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