vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Macys occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in Macys they also say it is odd that it is just XXXX  30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, 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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I wish to file a complaint with the credit card company, GE Money Bank for harassment. I am not sure who to directly contact because the debt has been sold several times over the years. I am writing because I have been dealing with this issue since XXXX. I have stated several times in the past that I do not owe the debt but every time it is sold to another company the harassment starts again. About 3 years ago a representative showed up at my mother 's address looking for me, they have also shown up at my workplace looking to speak to me. Today ( XX/XX/XXXX ) I received a call while at work from a representative on behalf of the company asking me to verify my address because they are filing a legal complaint against me. 

I confirmed my address and again explained to the representative I had been dealing with this for years and that it was not mine. I also stated " Statute of limitations in my state '' The representative then went on to explain how they legally have 15 years to try to collect from me. also stated that the company still has 5 years to try to collect on the debt for me. the representative then informed me that they were filing a legal complaint to put a lien on my house, and my paid-off vehicle, and to garnish my wages from my bank account. I then asked for information about the company so I could contact them once given the information the representative ended the call with " We will see you in court, have a nice day '' After going about my day I received a call from my ex who I no longer speak to informing me that he received a call from a debt collector, they left a voicemail on his phone about the debt. He sent me the recorded voicemail and on the phone, the same female representative was talking. The representative left a voicemail stating '' This message is for ( My full name ) how there's been a legal complaint filed against me, a reference number, and for me to call the number back. 

To make matters worse I then received a phone call from my brother that he also received a phone call about the same debt. They were asking him to verify my address and when has he spoken to me because they were looking to file a legal complaint. This is embarrassing because this company should not be allowed to discuss the reason with my family members or ex. I have been harassed for several years now and I would like them to stop. I will not pay a debt that is not mine. This company has committed false claims against me by threatening to put a lien on my property and car. I

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Despite the recent FTC settlement, I got additional spam emails from Experian in violation of the CAN-SPAM act.

They continue to send me promotional emails with no opt-out whatsoever.

They do not care about the law or users whatsoever.

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 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Reached out to Wells Fargo regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act JP Chase Bank has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding XX/XX/XXXX still shows active as of XX/XX/XXXX and this account has in correct amounts. Was never given any notice of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hi this email is to provide proof of fraud on my chase account. XX/XX/2023 I noticed suspicious transactions on my account for the amount of {$0.00} for XXXX XXXX XXXX out of XXXX, XXXXthe one cent was withdrawn and then credited. I immediately locked my account and called Chase customer service. They agreed it was suspicious and canceled my debit card and issued a new one to be mailed out. Today XX/XX/XXXX, as I was driving home I received a call from XXXX from a supposed Chase representative who said my account had been compromised again and there was a XXXX transaction that was attempted in XXXX, Florida for the amount of {$1000.00} to a XXXX XXXX. He asked if tht was me tht was sending it and I said no. He proceeded to send me a text asking if the XXXX was authorized in which I responded no. He then told me my online banking account was completely compromised and I needed to change my username and password. He sent me two additional text messages to terminate my username and password which I unfortunately provided to him via text. He then proceeded to ask about my XXXX recipient XXXX XXXX XXXX who I stated was my boyfriend and he said his information was also compromised and he asked me to add him to phone call which I did immediately. After XXXX accepted the phone call the " representative '' asked him some questions and told him his phone number was added to a XXXX account fraudulently with XXXX which he has no account with at all. Then he text him some verification codes to the phone number he has attached to his XXXX account and asked him to read them to him which he did. After he received the codes he told XXXX that he would enroll him and me in fraud protection so our future XXXX transactions wouldn't be compromised. XXXX was let go and him and I remained on the line to supposedly enroll me into the fraud protection program which consisted of me approving a XXXX transaction of {$2000.00} to XXXX where he explained tht no funds would be deducted from my account it was simply to make sure future XXXX transactions between XXXX and I would not be compromised. I unfortunately said yes to the text which ultimately approved the XXXX transaction to XXXX which he obviously never received. I'm attaching all the screenshots of my call log where he called me and I tried calling the number back and it is a XXXX XXXX  customer service phone number which leads me to believe tht this XXXX XXXX thats the name he gave me also with a badge number of XXXX. I'm also sending the text messages tht XXXX received as well. The phone number associated with my XXXX account is XXXX and the phone number associated with XXXX 's account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime allowed several unauthorized transactions to take place from my checking account in one day. On XX/XX/XXXX A friend sent me XXXX for rent like he normally does each month and on the XXXX the money was sent to a person that showed up as a XXXX XXXX someone I do not know nor did I authorize rhe transaction and while explaining to the repesentitive what had taken place another unauthorize transaction took place while on the phone with them. First I had XXXX in the account before the XXXX rent deposit then it showed XXXX entering and leaving my account at the same time. I learned that my friend who sent the rent payment haf received a phone call from somebody stating they were a chime supervisor verifying a request I made for the funds he had already sent the day before. I dont know how they are able to remove funds from all these accounts without the account holder 's petmission but they are and how Ironic, no one ever get there funds back in the account. I was left with XXXX XXXX in my account without any explanation. They ate telling me it will take until XX/XX/XXXX to investigate however I believe they are trying to get rid of the proof they are a crupt business. This is so horrible that nothing is done about this company. I explained I didn't know the people or the phone numbers that showed on my phone and I was unable to denied the transferred transactions. The unknown numbers were XXXX and XXXX. Something is very wrong with the operations of this CHIME BUSINESS and they need to be investigated ASAP. I'm on a fixed income and there is no way othis gods green earth would I leave myself XXXX XXXX when I get paid once a month. Whoever is behind these schemes knew exactly what I had in my account. What a horrible experience. Who else can we seek help from with catching these crooks. Times are extremely to hard for people to be blatantly taken advantage of. Really you mean to tell me Nobody was awarded their funds back. This is unacceptable and should not be allowed. Help us all Please! Read the reviews about these people. I simply want my money back and no further dealings with these people. They are closing people accounts after a dispute is filed and no one ever get their hard earned money back. They will have to answer to God about Stealing!!!! He sit high but he is definitely sees Low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I was trying to open an account with XXXX XXXX upon running it they noticed I was in Chex systems for a XXXX  account under a social completely different from mine and an Adress that I have never used

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 2023-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested validation of an alleged debt from Source Receivable Management. I only received a statement balance of {$130.00}, which i did not have enough information or a signed contract stating I have taking out a debt with Source Receivables Management. I do NOT recall this debt and I have requested additional information on XX/XX/XXXX which they have refused to provide to me. This debt has negatively impacted my credit and caused me a great deal of stress. 

In addition, I noticed this is the same debt and amount a different debt collection agency stated I owed to them last year on XX/XX/XXXX. I disputed the debt and the collection was later removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent certified letters on XX/XX/2023, and XX/XX/2023, to Experian, XXXX and XXXX. However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 


According to the law 15 U.S. code 1681a - Definition ; rules of construction The term ''investigative consumer report '' means consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbor, friends or associates on 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 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 the consumer. 

I would like to know who they talk to. 

How did they complete this investigation?

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: MO

Complaint narrative:
XX/XX/XXXX When my contract for my new vehicle was opened. 
I Traded In My Old Vehicle ( Which Was A XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX was {$4000.00} and I Only Got {$2000.00} For A Trade In. Which Was Unfair Pricing. 
-Over Reading My Contract I See That My Consumer Rights Were Violated -15 Us Code 1605 - States That There Should Be No Cash Included In A Financed Charge And The Dealer Knowingly Charged Me A Down Payment -15 Us Code 1602 ( L ) - States That My SSN and signature was used to complete this credit transaction meaning the card was already paid for. 
There are a couple more violation in my contract as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent certified letters on XX/XX/2023, and XX/XX/2023, to XXXX, Transunion and XXXX. However, the credit bureau said they completed the investigation, and everything was 100 % accurate.

According to the law 15 U.S. code 1681a - Definition ; rules of construction The term ''investigative consumer report '' means consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbor, friends or associates on 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 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 the consumer. 

I would like to know who they talk to. 

How did they complete this investigation?

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation