vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: TN

Complaint narrative:
The company equifax has continued to violate federal law 15 USC 1681 information on overdue child support. This company has reported inaccurately that the XXXX XXXX XXXX XXXX has over 35 missed payments. This reporting is in error and a violation of federal law this erroneous account stating late payments is in litagation and has been ruled in the client favor but equifax continues to re insert this information that was not court ordered or were they given consent which is another violation of 15 USC 1681 ( B ) permissible purpose and also violates the federal rule of estoppel. Equifax must remove the XXXX XXXX XXXX XXXX ( child support ) immediately or face a civil suit in chancery court and damages for the consumer not being able to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CO

Complaint narrative:
On XX/XX/2022, my credit score dropped XXXX points in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

Equifax, XXXX, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a one month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Payfare International Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 there were 2 credit transactions that showed posted and were never added to my available balance. I tried contacting the company numerous times and they ignored every call. 
Transaction 1 : {$5.00} in rewards redemption Transaction 2 : {$9.00} in Earnings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX fraudulent charges appeared on citi card. XXXX for {$190.00} from XXXX and XXXX for {$190.00} from XXXX XXXX XXXX. I immediately reported the charges as fraudulent. My card was closed and a new card number was issued to me. I recieved security credits for the fraudulent charges along with a new card in the mail within a reasonable amount of time. 

On XX/XX/XXXX, before I had even recieved my new card in the mail, XXXX of the same XXXX merchants was able to charge my card for an identical amount. The charge was {$190.00} from XXXX. 

I have reported this fraudulent charge to citi numerous times over the last couple of months. Each time I'm given a new explanation for why citi has failed to properly open a dispute into this fraudulent charge. 

Most recently, on XX/XX/XXXX, I spoke to a representative who said that her colleagues must have failed to open a dispute under the correct card number. I told her that I didn't think this was correct, but she refused to listen to me. She assured me that she knew what she was doing and that I would see the open investigation in my online " Dispute Center '' shortly. This, of course, was untrue. 

I have given up attempting to resolve this issue with citi because of the poor customer service I have received and my lack of faith that any of its representatives know how to resolve my problem.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
My card was stolen and XXXX was spent at a XXXX while I was at work on XX/XX/XXXX, charge went through on XX/XX/XXXX. The same person also tried using my card at a XXXX and I got an alert via text and I confirmed I was not making this charge. My card was closed. I could not file a dispute until the charge went through. My husband filed the dispute, thinking that I had my card and that just the card information was stolen. The bank denied the claim because the chip was used to make the transaction. The chip was used because the card itself was stolen. The bank will not return our funds now, even though I have explained to them that the card itself was stolen. I was at work, clocked in, my husband was at work in XXXX, the charge could not have been us.

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 2023-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a long standing customer with Capital One ; I have always showed great diligence with paying my credit cards in timely manner. I have 4 payments showing late during XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have written letters to the CEO of this company, as well as made several phone calls to this company in an effort to have these remove these items as it has not only tainted my credit report, prohibited my growth, financially, and has strongly effected my ability to gain membership with Capital One and other creditors as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: NM

Complaint narrative:
The original creditor told me to contact executive staff at that Bank. I am unable to call or receive phone calls. I have emailed and received email from the original creditor. However, at no time has the original creditor addressed the account and now the false reporting of a debt owed. MY XXXX ' rights have been ignored and violated. ( Before during and after all action no executive staff of the original creditor has meet with me and/or replied in kind via email. ) Only action by the Original Creditor has been requested to call knowing I can not use a phone in direct violation of America with XXXX Rights. HIPPA law and other NM State laws require alternative forms of communication be made available, this has not been the case with XXXX XXXX XXXX XXXX. -the account now reported in my name is false. Collection by The Best Service Company now reports a debt that began in XX/XX/XXXX with an amount owed as {$7500.00} past due as of XXXX XXXX. At no time have I been provided any documentation and/or contacted about this past due amount owed. I was not notified about this debt in XX/XX/XXXX. I have NOT received any documentation and/or justification for this reported debt as of this complaint XX/XX/XXXX. I have not been Affected by natural or declared disaster. I receive no notifications about this ever-increasing debt. XXXX and the XXXX XXXX XXXX XXXX have refused to address and/or provide me with explanations for this continued reporting of this ever-increasing debt AND The Best Service Company keeps inflating the amount of the debt owed without notification or justification. I am only aware of this false reporting by alerts from credit monitoring company.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Shortly after filing a dispute on my credit report with TransUnion ( https : //service.transunion.com ), my account access was suspended. 

The suspension was supposedly temporarily. However, it has been almost three weeks and each I log into my account, it flashes my dashboard but then routes another screen which tells my account is suspended. It then provides a phone number to call for Website Access Support, ( XXXX ) XXXX. 

When I call the number, however, after it going through a few automated voice prompts, it tells me to hold for an agent. Then within 2 seconds the call hangs up. 

I have tried to call at least a half dozen times, and nothing works to get through to a human being. 

These people are ruining my credit and don't want to fix it.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo opening numerous accounts under my name when I already had both a checking and savings account. 
I DID NOT NEED ANY ADDITIONAL ACCOUNTS. 

Also the substantial overdraft fees.

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 2023-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aequitas Capital Opportunities Fund, LP
State: MO

Complaint narrative:
I recently visited XXXX XXXX  XXXX XXXX ( XXXX ) and owed some small medical debt to them. XXXX partners with a company called CarePayment ( CP ). Through CarePayment, XXXX offers their customers a 0 % line of credit. They advertise that all a customer has to do to opt-in to this line of credit is to not pay their bill for XXXX  days and they'll receive further communication from CP. " If you can not pay the entire balance within XXXX  days, our partner, CarePayment, will notify you regarding a XXXX interest monthly payment plan. You will receive a welcome kit from CarePayment in the mail that includes your first statement with the due date and the amount of your monthly payment. '' This process worked perfectly for my bills dated XXXX and XXXX. However, I also had a bill dated for XXXX that, instead of being sent to CP and applied to my 0 % line of credit, is being forwarded to collections. XXXX sent me a bill that has contradictory information on it, leaving me unsure of what's going to happen with my bill. For the statement for XXXX, the most recent bill they sent me still says I can not pay the bill and XXXX  days later they'll add it to my CP account, but they also say that I only have XXXX  days left to pay the bill or they're going to send me to collections. I received no such threatening letters regarding my XXXX and XXXX bills as they were properly applied to my CP account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

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 number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX XXXXXXXX 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 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. 1681-2 ( 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 non-monetary relief
Consumer complaint received 2023-04-11 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: TX

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 number : # XXXX, Account name : XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX XXXXXXXX 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 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. 1681-2 ( 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 2023-04-11 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My initial complaint, XXXX, was withdrawn because I need to attach documents that include communication from Equifax providing XXXX that this company is contacting me directly instead of through the Consumer Financial Protection Bureau XXXX I was told to do this by a representative from CFPB. My initial complaint still stands, which is : Equifax is refusing to update my credit report with the current address as well as other information, and it has decreased my score significantly with the new information it does receive. However, it doesn't use the new information to actually update my credit report profile. I have sent in as well as tried to upload my documents, and Equifax still refuses to update my information. Someone else is receiving copies of my credit report because it goes to a previous address located in a different state. I have called, and Equifax will not correct the issue unless I send out even more copies of my persoal information. No one should ever ask for a copy of your social security card, ID, Birth certificate, and Lease Agreement documents al at once. This is like handing over everything about yourself. This is how this company misuses personal information. 

Equifax is currently stating that my credit file can not be found, which is interesting given that they were able to contact me at my new address, no less, to notify me of this. They were also able to update my score by dropping it almost 100 points. Interesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
XXXX XXXX billed me after I canceled service in my name and moved from XXXX  to XXXXXXXX XXXX. Never received notification or mail that I owed XXXX. Never knew my debt went to collections to CMI Group ( Credit Management ). Never received mail notification from debt collector. Checked my credit last week to purchase a house and learned I had a XXXX point deficit to my credit score because of a unpaid XXXX XXXX  bill I had no clue existed. I called to dispute but never received help or guidance. I paid the full bill owed to the collection agency as soon as I found out about this in hopes to repair my credit score immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This account has been paid off since XX/XX/XXXX ( {$18000.00} ), but Kia refuses to report it as " paid/ closed '' so that it will reflect as such on my credit report? In any event, I've spoken to several representatives and received several different responses over the last month or so. Today I was told to dispute it or otherwise continue to wait. Unacceptable! 

Also, to add insult to injury, I am now being told that the prorated refund from my payment made on XX/XX/XXXX of {$310.00} will not be paid? Please advise. 

Vehicle Description : XXXX XXXX XXXX XXXX # XXXX Customer Name : XXXX XXXX Account Number : 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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Credit Card Member Services re-opened an account in good standing that was closed based on another person had called to state per my request. The credit card company did not check with me whether I made the closing request, nor did it asked the caller for written documentation. 
In opening it failed to activate the credit line and the card works as if closed, such that previous auto-pays bounced back unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Hello, Thank you for helping resolve my issue. I am writing to request the PNC banking bonus of {$400.00} for having completed the terms of opening, funding, maintaining appropriate balance, and receiving direct deposits of over {$5000.00}. 

The account has received multiple direct depostis, as coded in the statements, that qualify it to receive the bonus. On XX/XX/XXXX it received a {$5000.00} deposit for work. I called and asked an attendant after receiving the paycheck and she said it would qualify me for the bonus ; however, to make sure I received it, I had another direct depost issued to me on XX/XX/XXXX in the amount of {$5000.00}.

Company response to consumer: Closed with explanation