vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXXs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off 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 explanation
Consumer complaint received 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have applied for a credit 2 times within the coarse of a year with capital one with an Awesome payment history and was denied both times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi XXXX  card on XX/XX/XXXX then I got approved on XX/XX/XXXX for a {$2000.00} limit. 
The card was out for delivery on XX/XX/XXXX The card never arrived and later I figured out that it was stolen, so I ordered a new card. 
The new card was out for delivery on XX/XX/XXXX and I received it the next day. 
I started making purchases with the new card but suddenly only a couple days later on XX/XX/XXXX it stopped working. 
It seems it stopped working right after I tried adding it to my XXXX  online wallet Afterwards I tried using it for transactions both with the actual card and online and nothing worked. 
Starting XX/XX/XXXX I tried calling up Citi again and again to reopen my account it was very difficult calling them and getting through to the customer service usually around a XXXX minute wait on the phone and many times even after waiting the call didn't go through. 
Finally when I get through to them they said that my phone number is not good enough to verify the account and they need to send me a letter in the mail On XX/XX/XXXX I got the letter in the mail with the verification, I called up Citi but they said that they are still unable to reopen my 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 explanation
Consumer complaint received 2021-12-20 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: IL

Complaint narrative:
I have a citi AAdvantage credit card managed through Citibank XXXX. I called Citi on XX/XX/2021 to report fraudulent charges that I did not make to XXXX XXXX. I explained I had not purchase anything from XXXX and they said they would issue me a new card and investigate the charges. I called back Citi XX/XX/2021 when I did not immediately get my card in the mail and my online account continued to show additional charges to XXXX after my original call on XX/XX/2021. Citi assured me card was mailed recently and not to worry about the charges, payments and fees they will be cleared with the finish of the investigation. Called in early XXXX as account balance was still showing XXXX charges, the only thing charged to the card and flagged by me as fraudulent. A letter dated XX/XX/2021 arrived XX/XX/2021 from Citi XXXX XXXX, stated there was no fraud and I am responsible for {$1400.00}. The letter includes a reminder that they will report my account past due to consumer reporting agencies. In the letter, they purported that their investigation showed I provided the merchant my account information. I called Citi fraud services, XX/XX/2021 for resolution, asked for a XXXX but they could not provide me with answer as to why charges continued and the investigation had no supporting evidence or reason. I wanted resolution but only received an assurance the they will continue to investigate and " may '' call me back.

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 2021-12-20 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing XXXX for being on their side after showing them all evidence. I just wanted XXXX to report a remark to " Volunteered Surrender on the credit report. XXXX states that they are only following procedure and report exactly what Exeter Finance dictates to them. 
I wish for XXXX and Exeter Finance of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX PS Exeter Finance does not know where the vehicle is and I have told them. 
PS 2 : Would like Exeter Finance to surrender title in order for me to fix {$7000.00} repair. 
PS 3 : VIN : XXXXXXXX XXXX  XXXX XXXX XXXX PS 4 : ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmerAssist A/R Solutions, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express has closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My Navient account notes they are not allowed to contact me via Auto dialing at my listed number ( a cell phone number ), yet they continue to do so. When I received a call today at approximately XXXX I asked why there was such a long pause after I answered the call and when they picked up, at that time, the caller admitted it was due to an auto-dialer. I reminded the caller my account notes they are not allowed to use auto dialers to contact me and was basically told that request would never be honored by Navient and that the practice was not in violation of any federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
I've been disputing this account as fraudulent 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On or about XXXX XX/XX/2021, a day after the total balances on both my Chase XXXXXXXX XXXX were paid off, both cards credit limits were decreased. My XXXX card was reduced to XXXX, and my XXXX card was reduced to XXXX. Both accounts were, and are in good standing, never having a late or missed payment. Usage reflected large charges related to home improvements, consistent with previous usage. Historic usage patterns reflect both cards being paid off in full multiple times. In spite of also having had high balances on her card, my XXXX did not have her line of credit reduced. My name is XXXX XXXX, my XXXX name is XXXX XXXX. I believe my decrease is directly related to my name/ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NY

Complaint narrative:
Your feedback While XXXX 's concluded that the hard inquiry was fraudulent and that I was not aware nor consent, XXXX 's response is still not sufficient. They wrote : " Were therefore asking the credit bureau to change the XX/XX/2021 inquiry to a non-display inquiry. This type of inquiry is viewable to you but not to other creditors. '' I respectfully request that this fraudulent hard inquiry be entirely deleted immediately. I don't want it 'viewable ' to me nor did I cause this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Hello I took my XXXX old XXXXn to the emergency room, he had a really bad XXXX XXXX they did a can scan, I give the hospital my insurance car he had medical. First I got a bill saying that everything was pay off, but a month after they send another one that was in collections already I was confused so I call the hospital directly, they told me the reason was cause that bill was for the room, I was ok but you guys are sending to collection no notice no nothing just cause the hospital and them could not communicate whit each other I did Told her that was really unfair of them, I give her my insurance information a week later I got a letter that was pay off.I call ccs and told them what was going on the girl that answer say to me thank you and Hang up on me, whit the biggest attitude.I waited I keep getting calls I call them again they did not want to hear it I told the girl again I told her I will send you guys a copy the bill that is payoff I she ok whit a attitude and hang up on me again.I send them all they need to take me out their list I always take care of my bills and my credit I need help please this already pay off I have all the copies credit consulting services , Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I was approved for a loan with 1st Franklin Financial in the amount of {$5000.00}. As of XX/XX/2021, the total of the loan with interest totaled {$6000.00}. I have made roughly {$1600.00} in on- time payments and yet the loan still has a balance of {$5500.00} not to mention the interest seems go increase on lower balances. The loan seems to have diminishing returns! With the monies paid, the balance should be somewhere around {$4400.00}. This is appalling, and I question their accounting. I would like an 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 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have previously made a compliant on Chase Bank. They allowed XXXX separate fraudulent wire transfers to come out of my account WITHOUT my permission! I have yet to have a resolution with Chase! They first sent me the incorrect forgery packet. I have given every single piece of evidence and every report I have filed ( with police, and FBI ) looks like Im going to have to find an attorney because they closed my case sending me a different forgery packet. They have had over 2 months to respond and they have yet to get in contact or able to give me any answers on the status of the claim other than me receiving a paper stating they are once again closing my claim. They tried to close my claim in the beginning without investigating. XXXX is approaching and I need my funds back into my account. I feel very taken advantage of and violated by this company. I thought me putting my money into a bank was a safe idea, obviously not when they can get away with stealing your funds right under your nose without your permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a letter in the mail from Ad Astra Recovery services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I live in XXXX, Texas and NOT XXXX Kansas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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