vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H 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 explanation
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H 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 explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: DC

Complaint narrative:
XXXX XXXX property in XXXX Texas - Texas is inaccurately attempting to collect for early lease termination in 2017. 

Before moving out I tried to locate a new tenant, the property found one first and transferred my lease therefore no longer rendering me responsible for the lease. 

They are now claiming they do not have any record of this transfer. The management company has changed, and none of the same people work at the property, so they are unable to validate the debt, but still inaccurately claim I owe them. 

The property will not answer my calls, and the corporate office has admitted they can not validate the debt, but has refused to discontinue pursuing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Some one hacked me on my chase banking on line using my routing and checking number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My name is XXXX XXXX. I sent Navy Federal Credit and there registered agent a billing error notice. As a consumer they fail to apply a credit that I am due, and also they withheld this information from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error .Navy Federal Credit Union is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Navy Federal has taken a advantage of me for a long time. They withheld this information while I was paying them when I was due a credit. They same letter was also sent to The Alabama Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the 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 explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis sent a public record of a bankruptcy to the credit bureaus and are now stating this public record has been removed from my consumer report. I requested to review my updated consumer report and in XX/XX/2022 Lexis nexis sent me a letter with a pin to access the reort and the PIN didnt work. I called and spoke with a rep at lexis nexis and she was going to mail me another letter with a pin. XXXX I received a letter again with an incorrect PIN so I have not been able to access my consumer report to verify the public record has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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

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 2022-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: WA

Complaint narrative:
Please read the attached complaint document ( XXXX page ) in detail, and the attached supportive document ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pages ) Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Era Asset Management, LLC
State: TX

Complaint narrative:
New Era Asset Management has been contacting me numerous times a week and leaving messages saying that legal action will be pursued if I don't respond by XXXX pm EST and/or that I will forfeit any discounts if I don't respond immediately. I received multiple calls per day and XXXX voicemails were left from XX/XX/22 until XX/XX/22, when I spoke to XXXX XXXX. 

During the XX/XX/22 phone call, he told me that I owed an unspecified amount of money to an unspecified lender and that since they owned the debt now I needed to settle it ASAP. I informed XXXX XXXX that I had no idea what debt he was referring to since he gave me no details so I requested a debt verification letter. I provided my updated address for this purpose then informed him that I did not want to be contacted again about this matter until I received a letter verifying the debt ie original lender and amount. XXXX XXXX assured me that he would have the verification letter prepared and mailed to the address I provided. 

XXXX, XX/XX/22, I received XXXX phone calls from XXXX XXXX, who identified himself as a supervisor at New Era Asset Management. His message said, " Hi this message is intended for XXXX XXXX. My name is XXXX XXXX and I'm a supervisor here at New Era Asset Management. This is not a sales call or a solicitation. I'm contacting you today in reference to XXXX XXXX. This matter of yours was forwarded to my office and requires your immediate response. Please return the call as this will be documented as my first attempt to reach you personally. My direct number is XXXX. Call me back please & refer to file # XXXX. This is an attempt to collect a debt & any information obtained will be used for that purpose. Thank you. '' XXXX XXXX then proceeded to call : my mother, my father, and both of my brothers. He left the same message with all XXXX of them even though they have nothing to do with this debt. 

XXXX XXXX not only failed to provide a debt verification letter and honor my no contact request, he also disclosed personal and private information to all of my family members which caused them much worry and distress. Moreover, this company obtained a copy of my credit report using a hard inquiry which is completely unnecessary and which I interpret as an intimidation tactic since hard inquiries decrease my credit score. As XXXX XXXX is surely aware, if he needed to obtain updated contact info his company could easily use a service such as XXXX for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: SC

Complaint narrative:
I believe the company is Elan financial services identifying themselves as XXXX on the phone XXXX ( XXXX ) XXXX and XXXX cardmember services or just cardmember services XXXX XXXX XXXX XXXX mo XXXX through the mail. Was told by a rep they were XXXX ( my bank ) until XXXX when I spoke to a supervisor about them calling me 8 times a day. Supervisor told me it was XXXX and not affiliated with XXXX in any way and that calling more then XXXX times a day was against their policy. I told them I couldnt get money in my account as my banks atm had been down for a month and I couldnt make a payment. It was fixed toward the end of XXXX and I tried to get it caught up. On XXXX XXXX the atm was robbed and completely disassembled in broad daylight. I told Elan this and was told they would just continue calling daily until I made a payment. In the past 2 months XXXX through XX/XX/2022 they dont even identify themselves anymore they call and hang up immediately. While writing this I got a call from them actually talked to someone and asked for a supervisor as I was telling her they hung up on me every time she hung up on me. This time it was on speakerphone and my fianc heard them hang up on me. Ive included the numbers they call from and pictures of the mail they have sent me on witch they are just identified as card member services.

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 2022-07-19 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-19 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have 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 instructionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV

Complaint narrative:
A collection came up on my credit. I thought it was a hospital bill, so I paid it all off. Turns out it was not the hospital bill. I called the company 3 times for them to send me the information to figure out where the debt is from and the payment options. Never received any information. The debt is still affecting my credit.

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 2022-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Please refer to closed dispute XXXX. The response from Macy 's was inaccurate. The issue with payment is my MACY 'S PAYMENT ACCOUNT is still showing the wrong card number as active, I have left two messages for XXXX XXXX, Macy 's Executive office per her letter, direct phone number of XXXX The issue is Macy 's e-commerce site has wrong credit card information. Please help me with this issue. I can provide a screen shot from today, that shows the wrong, supposedly closed Macy 's card is still showing active.

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 2022-07-19 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: DC

Complaint narrative:
NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all XXXX consumer reporting agencies ( XXXX, XXXX and TransUnion ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. XXXX, XXXX and TransUnion failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, XXXX and TransUnion failed to Investigate the first time according to federal law ( FCRA ). XXXX, XXXX and TransUnion HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? XXXX KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. XXXX, XXXX and TransUnion are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that XXXX, XXXX and TransUnion furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
XXXX, XXXX XXXX. asked for proof of bill being mine and never received any information from the debt collator on this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I received a Chase XXXX XXXX XXXX credit card in the mail in which I never applied for. It is shown as a hard inquiry on my XXXX report as JPMCB card inquired on XX/XX/22. I called Chase card services and reported it fraudulent and had the account closed. I called XXXX and put a freeze and a fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a Chase customer and have been using their bill pay services for years. Most all large companies support electronic statements and billing directly to the Chase bill pay service, except for XXXX retail card services. Many stores use XXXX retail card services and many stores switch between competitors like XXXX, XXXX and others. The problem is that Chase and XXXX have a dispute and Chase refuses to allow for electronic statements from a XXXX credit card, such as XXXX XXXX. When a company, like XXXX XXXX, moves their business to XXXX retail card services, as a Chase customer, I lose access to electronic bills within the Chase bill pay app. Since I, and millions others, rely on electronic bill pay services, and have long ago stopped with paper statements, not having electronic statements via Chase bill pay leads to late payments and fees for XXXX. Considering that Chase supports XXXX, XXXX and other large bank card services on their bill pay service, there is no technical reason they can't support XXXX retail card services. If XXXX and Chase have reciprocal sanctions against each other 's credit card bills, I assume that this leads to millions in credit card late fees. Chase should be forced to support XXXX retail card services on their bill pay platform in the same manner that they support other credit card companies, for both electronic statements and payments. 

I have enclosed a screenshot from my Chase bill pay service that shows that XXXX XXXX, the only XXXX retail card services account on this screen shot, does not support XXXX.

Company response to consumer: Closed with explanation