vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: Rodriguez Fernandez Law Offices, LLC
State: PR

Complaint narrative:
Greetings a Law Firm by the name of Rodriguez Fernandez Law Offices , LLC address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is wanting to collect money from this accounts XXXX XXXX XXXX amount {$2100.00} account from XXXX they Acquired the account on many years ago the account is XXXX XXXX XXXX, the person that called had an inappropriate tone of voice, tried to intimidate me with a court date that we had many years ago, when I explained the time that has passed, she wanted me to make a payment and mention different ways I should be making the payment. I need CFPB to please contact this company and informed them why the cant charge me for this old accounts. Also, I don't want the company to continue calling me for an account is That is more than XXXX XXXX XXXX, Thank you XXXX XXXX XXXX XXXX XXXX Las time I file a complained was on XX/XX/2022 and they responded with this nonsense. 
Company 's Response This claims do not proceed. All accounts are payable. Within statue of limitations and with a valid judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX XXXX balance on card is not updated,? below 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX at XXXX has been paid in FULL! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at ALL 3 reporting agencies XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX Balance on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX XXXX balance on card is not updated,? below 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXXXXXX XXXX XXXXXXXX has been paid in FULL! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at ALL 3 reporting agencies XXXX XXXX XXXX Experian

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX from American Express. The bonus offer is XXXX bonus miles + {$300.00} statement credits. After I made eligible purchases ( over {$2000.00} purchase and booked a XXXX XXXX ) within the first 3 months, i did not receive the bonus. 

When i inquired custom service with the custom service, I was initially told that I am eligible for the offer but there may be delays. I waited several weeks, but still did not receive the bonus. When I checked with them later, I was told that the promotional bonus offer was declined when I applied for it. However, I did not receive any notification ( e.g., no pop-up windows ) when I applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Javitch & Block sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper Bill of Sale or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so shoddy and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I got a pre approval fro TD bank with a XXXX present transfer fee XXXX percent for XXXX mo.okay I get the bill and charge me the XXXX persons in my payment XXXX fee plus the payment minimal total of XXXX they said they disclosed it they did not and if they did talking very fast that I did not comprehend I have transferd from other credit they always put in the remaining balance never up front they play tricks in there transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Upon reviewing my credit report on XX/XX/2022, i noticed i had a charge off from Macy 's XXXX being reported on my credit. I have sent a letter to them asking for a XXXX as this account was charged off/ meaning I no longer owe them. 

Per section 15 us code 1681b, they need permission to report this to my credit report. I have never give Macy 's permission to report anything to my credit. This account is closed and they have already been paid.

I am requesting this chargeoff be deleted from 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 2023-01-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Under the Federal CARES Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureaus. According to law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief.

JPMC allowed my account an " accommodation '' by waiving late fees and accrued interest on my account for the months my account was reported XXXX and XXXX days late. 

on XX/XX/23, I disputed the negative reporting information by JPMC citing the Federal CARES Act. 

JPMC did not update my information per the law I cited that I obtained from the XXXX website detailing the Federal CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Chargeback Dispute # XXXX Discover disputed charge, that still has not been resolved since XXXX of XXXX. This involves a charge dispute, I was told to file by the XXXX XXXX XXXX, regarding a {$100.00} gift card issue at point of sale in which I did not leave the store with the gift cards paid for on the Discover card because the XXXX self-checkout register could not produce a gift card receipt. I opened a charge back for this in XX/XX/XXXX. 

After months of it not being resolved, I even made a special trip into XXXX to discuss with the store XXXX named " XXXX ''. She said she closed it out as undisputed, meaning not challenging the charge back and should all be good. Now recently, Discover keeps adding the charge to my statement as recently as the last XXXX days, then possibly refunding with some activity on my statement as recently as yesterday XX/XX/XXXX. It's been an on again and off again cycle for months. Now I see it again on my statement for a second time, being added and possibly re-credited. 

It's time for Discover to officially refund this charge and close out this case in my favor as the customer who did not even leave the store with the gift cards paid for with my Discover card. I did what XXXX 's XXXX told me to do, which was dispute the charge, and since XXXX states they are not challenging my charge back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After checking my credit report for the past 2 months, I have noticed my account information has not been updated per the documentation I have provided directly from the XXXX. I spoke with Equifax prior to this and they stated XXXX verified this information to be true. XXXX FCRA, credit reports must be updated every 30 days with the upmost current information. If any information is incorrect per the consumer, we have to right to dispute and obtain a fair investigation on the account. 

The XXXX  does not show the updated information, it is outdated over 60 days of data. Credit balance, XXXX XXXX, XXXX history, and the worst payment. These categories are outdated over 60 days. This backdated information has stalled my home buying process again. I have attempted to update this information several over times with Equifax requesting for an update. In addition, to sending disputes to get my account updated, I have called as well. Unfortunately, none of the attempts has been successful, and the XXXX documentation has been ignored. Each time my dispute was complete, it only shows the creditor verified information but that can not be correct because the balance has stayed the same for 60 days, last payment status shows since XX/XX/2022 but my last payment was on XX/XX/2022, payment status shows " no info '', worst payment has a dash instead of data reported. 

This compliant to assist with updating my XXXX account accurately. I have more documentation attached this compliant. XXXX documentation showing the credit statement balance. Communication showing the documentation came directly from XXXX. Credit Report showing the outdated information deflecting the most updated information from 30 days instead showing more than 60 days ago. most recent payment to XXXX on XX/XX/2022. 

Please update Equifax with the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/2023 : Received a call from Chase Customer Service stating they had seen Fraudulent charges on my account. I had seen a fraudulent charge on my account and was working with the man from chase customer service on the phone to transfer money out of my accounts, close them, and reopen new ones, while recalling the fraudulent charge I had seen. The customer service agent calling from the chase number instructed me to Reverse wire Transfer the money. I did as directed. I then learned the Chase number was spoofed.

- Within 10 minutes of the transfers, I realized this was scam and had called Chase back to recall the wire transfers.

- Within an hour I had successfully submitted two claims with chase to recall these fraudulent wire transfers. 

XX/XX/2023 : Submitted an IC3 form with the FBI and submitted a police report with XXXX police Department. 

XX/XX/2023 : I reached out to chase asking for an update on my claims. 

XX/XX/2023 : Received an update via Chase Secure XXXX that the recipient bank ( XXXX Bank ) of the fraudulent transfers needed a Hold Harmless Letter ( or Letter of Indemnity ) submitted by Chase to return the funds. 

XX/XX/2023 : I went into a chase to submit this letter that the Chase wire service team had asked me to submit. Chase has no recollection of this form. 
- I called the recipient bank and they told me Chase bank has the form and has to send it to the recipient banks Corporate Investigation Team - I then called chase back and passed along this information. Was told by a chase representative that they could not help me and the recipient bank had to do it. 
- Recipient bank stated that it is chases obligation to complete this form as I am their customer, not the recipient banks. 
- Chase then told me they will no longer help me and it is up to me to get this form submitted to the recipient bank. I have no way to access this form as I do not work at either fraud department/investigation team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have paid my COMENITYCB/BJSCLUB in full last year. Now they are calling me for XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX account # XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the XXXX XXXX XXXX and the person Nissan Motor Acceptance Making the report is not INCLUDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA XXXX XXXX XXXX by reporting this transaction or experience on my consumer which XXXX clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
IRS deposited my refund of XXXX on XX/XX/22 unto a old Cash App account in which I can't remember any info about such as, " XXXX XXXX, old phone number or email associated with old account ''. I have the actual account/routing numbers of said account because when I checked the, " Where's my refund '' on IRS website it said my deposit was deposited on such date so looking back through my tax records I located the account/routing numbers as well as reaching out to the IRS who suggested this after telling them how Cash App gave me the run around basically telling me to read the fine print. How I found out what financial institution is linked to account / routing numbers my refund was deposited was easy as doing an online search. I can easily prove who I am, I have all my identity documents, Id 's, tax records etc. but I'm sorry if I have no recollection to my old phone # /email or cashtag.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Federal Savings Bank has placed a security hold on all my accounts, preventing me from accessing funds from XX/XX/23 to the present. I believed this was done in response to an erroneous fraud trip associated with attempting to transfer {$200.00} from my USAA account to my XXXX XXXX XXXX XXXX on Friday ( XX/XX/23 ). The transfer was attempted using the XXXX app, as endorsed by USAA ; however, I received an error and was asked to try again later. I attempted to perform the transfer XXXX more times ( XXXX total ), at which point a hold was placed on my XXXX apple pay debit card. I contacted USAA and cleared the matter on the same day. However, USAA claims to have determined some form of fraud was detected on that Sunday ( XX/XX/23 ) and placed a hold on all debits from my checking and savings accounts. 

I was unaware of the hold until I called Tuesday after I was unsuccessful in my attempts to transfer funds from my savings account to my checking account to cover an upcoming credit card bill from an outside creditor. USAA told me that on Sunday ( XX/XX/23 ) that my account was on a security hold, and they could not comment on why until the XXXX department completed their review, which would take " up to XXXX business days and XXXX hour but was assured that I would have access to my accounts upon completion of their review. 

I contacted USAA Thursday ( XX/XX/23 ) when I was still unable to access the monies in my account. Again, I was told that the fraud department had my accounts on a security hold. USAA said they could not comment on why until the review was completed, which would take " up to XXXX business days ''. As of this point, I have not had access to my money for 4 days, and with the holiday weekend coming up I will not have access for at least an additional 4 days, a total of 8 days ( at minimum ). 

Within the last 6 months, I have moved my family to a new state, started a new job, and purchased a home. Our finances are already limited due to these major life changes and financial obligations, resulting in drained savings and maxed-out credit cardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this is the most inopportune time for our bank to restrict access to our money. We are unable to pay bills, secure and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs, or even fill our vehicles to commute to and from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation