vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cooling & Winter LLC
State: NY

Complaint narrative:
Rather than communicate these problems over and over, I will submit previous case numbers, which are : XXXX and XXXX. XXXX XXXX XXXX and Cooling & Winter. 

I gave feedback in both cases, apparently to no avail, because both companies are continuing their reign of terror. According to your representative XXXX at CFPB today @ XXXX, my feedback was not submitted to XXXX XXXX XXXX and Cooling & Winter . 

Cooling & Winter has since called me, and has terrified an XXXX XXXX XXXX senior citizen by sending strange men to the resident 's home WHERE I DO NOT RESIDE. 

Cooling & Winter has not kept their word in their answer to the CFPB and has not removed those lawsuits from that listed address where I do not reside. They have added an additional address onto the lawsuits where I DO NOT RESIDE, and chose to terrify an XXXX XXXX XXXX  resident to death with strang men acousting him. 

XXXX XXXX XXXX has decided to continue mailing sensitive banking info to the address WHERE I DO NOT RESIDE. THE RESIDENTS PROMPLY TOOK PICTURES OF THE PACKAGES BEING RETURNED TO THE POST OFFICE AND EMAILED a copy of THEM TO ME. 

All this Additional information can and will be used in the lawsuit for all the embarassment and humilation caused by all the wierd people and attorney letters sent to their home by Cooling & WinteXXXX and XXXX  XXXX XXXX as an accomplice. 

** ALSO PLEASE REMBER ALL THE XXXX 'S THAT YOU SENT TO HARASS THAT FAMILY ARE DOWNLOADED ON FILM SECURITY FILES. ** EVERYONE COOLING & WINTER, AND, XXXX  XXXX XXXX HAS CONTACTED AND HARASSED ARE JOINING THE LAWSUIT. 

I have made both companies aware of my homelessness, chronic illnesses, and financial situation several times. This continued harassment and humilation is meant to drive me to a suicidal state. Because both companies know there is no way I can possibly pay any financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: OH

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 15USC 1681. 

XXXX : 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 Any other adverse item of information, other than records of my 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 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 2023-04-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a dispute with Citi for a charge that was initially completed in XX/XX/XXXX for custom furniture. The merchant misled me and never delivered the furniture. I was seeking my deposit back since the merchant agreed to refund me in early XXXX. The merchant ultimately told me to file a chargeback to get my funds back. I initiated the dispute on XX/XX/XXXX for {$1400.00}. The merchant was contacted on XX/XX/XXXX and credit was issued to my credit card account. The merchant responded on XX/XX/XXXX and I followed up with the bank to confirm they would reach out to me to get more details. I followed up on XX/XX/XXXX at XXXX CST and was told the bank would reach out to me to confirm the merchandise was not delivered. On XX/XX/XXXX at XXXX CST I called the bank again after I notice the dispute was moved to resolved. I asked the dispute agent why was it showing customer responsible. The agent told me that while that status was being reflected, that the credit would be permanent as a gesture of goodwill. I repeatedly ask the agent I was speaking to reconfirm that was true and he assured me multiple times that credit was permanent. I was advised Citi would pursue the claim to get " their money '' back. On XX/XX/XXXX, the credit was reversed and I was told the previous agent should not have told me that. I am asking Citi to stand behind their promises they clearly misled me on. They told me on XX/XX/XXXX they would follow up to confirm the merchandise was or was not received and they never did. They promised my reversal credit was permanent and the next business day it was reversed. I have continued the dispute process and emailed the requested documentation on XX/XX/XXXX to continue the dispute as the merchandise is still not in my possession. I added more context to my email on XX/XX/XXXX but the bank has not acknowledged my email nor has not had someone reach out about their agent on XX/XX/XXXX promising to make my credit permanent.

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 2023-04-18 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:
Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
Re : Account XXXX XXXX # XXXX I have filed a dispute on this account on XX/XX/2023. This is a repossession and is reporting incorrectly. The bureau has failed to respond and comply with my dispute within the 30 days which is grounds for removal under 15 USC Sec 1681. This account is reporting inaccurately and is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: PA

Complaint narrative:
I have a few accounts on my Experian credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block 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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX  I went to a US BANK branch to open a brand new checking account. As it's very usual between banks, I found out on their website that there was a first account bonus of {$500.00} that was being offered from US BANK at that time so when I was opening the account at the branch, I told the US BANK branch manager that I would like that bonus applied to my account, so he looked up on his US BANK system and made sure the bonus would get applied, no problems at all. After meeting the requirements to receive the bonus, which at that time was receiving {$6000.00} or more from direct deposits, I called US BANK customer service wondering when I was going to receive the bonus, and that's when things started to get bad. The customer support representative told me that the bonus code applied to my account was from an older promotion that was already expired and that I should contact the branch that opened the account for me, and that's what I did. When contacting the branch, I explained to them the situation and showed them that the bonus code that was applied to my account was already expired at that time ( XX/XX/XXXX ) and that the correct one was another code ( the XXXX available from their website at that time ). This was basically a mistake from the US BANK manager when opening my account. The response I got from them was that they had contacted the department responsible for promotions and basically the promotion that I had found on the US BANK website, open for everyone to see, was a promotion made for specific people only and that if I don't provide proof that I was meant to receive the promotion, I wouldn't be getting the bonus. 

After getting that response I could not feel more deceived. First, I found the bonus on their website open for everyone to see. Second, the manager does not tell me anything about it and says that the bonus would be applied. Third, out of nothing they tell me I wasn't meant to be receiving this bonus. The funniest part is that I told XXXX friends about the US BANK first account bonus and all of them went on XXXX to open their account and guess what? ALL OF THEM received a first account bonus on their account. I don't know what is up with US BANK first account bonus, sometimes they decide it's for everyone and sometimes they decide that it's just for a specific group of people. 

I can't express how disappointed I am, if someone had explicitly told me that bonus wasn't meant for me, I would just have gone to another bank. I was a victim of a false advertising. I was misled into believing that I would get a bonus from opening an 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 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I know that I have a XXXX XXXX XXXX trust that is used to draw funds out for loans, mortgages, etc. I realized that when I gave my ssn on the fraudulent loan that I signed the funds were taken out of my trust fund and not loaned from the bank. When I tried to get them to discharge this debt Ally financial made it very difficult to pay the loan they locked my account and would only accept certified funds. I sent them a money order from XXXX # XXXX {$320.00}. They accepted the money order and cashed it. But they never credited my account for it and they put a notice on my credit report as not being which is not true. It was paid they stole the money. They received it on XX/XX/23 and cashed it on XX/XX/23.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Debit Card was stolen in the parking lot of XXXX on XX/XX/2023. I contacted the bank immediately because of the notifications received from the bank alerting my husband that my card was used to purchase something at XXXX XXXX. I called Chase Manhattan bank immediately to report the fraud and the fact that my debit card had been stolen. I contacted the police department and he was able to obtain footage of the crime in the parking lot of XXXX. I picked up the police report and faxed the document to Chase Manhattan banks claim department. I received a credit from Chase Bank in the amount of {$5800.00} on XX/XX/XXXX, XXXX for the purchase at XXXX XXXX. I had also notified Chase of an additional withdrawal taken at the ATM from Chase bank in the amount of {$980.00} prior to the purchase at XXXX XXXX. I received a letter from Chase Bank dated XX/XX/2023 stating that I am responsible for those charges because my Pin was used. The bank disregarded the police report and did not ask for the footage of the crime clearly showing the theft in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize and are fraudulent

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 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with TransUnion.

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 2023-04-18 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: TX

Complaint narrative:
XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with Equifax without any notable investigation or success, although I have had success with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
My wife XXXX XXXX and I rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX, from XXXX XXXX XXXX who can be reached at ( XXXX ) XXXX, for two years until XX/XX/2019. After vacating, we had a final walk-through with the on-site resident manager who confirmed that the apartment was empty and professionally cleaned. 

However, a few months later, we received a notice from XXXX XXXX claiming that we owed {$220.00} for a missing cook-stove burner and a new cleaning sponge left under the sink. We immediately called to inquire about the charges and were told that they were a mistake. The manager apologized and promised to take care of the charges. After several weeks of communication between us, the manager, and the back-office staff who generated the charges, we were assured that the matter was resolved. 

Recently, I received an email from my XXXX XXXX XXXX alerting me of a " major derogatory mark '' on one of my accounts. After logging in, I discovered that Columbia Debt Recover : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TEL : XXXX on behalf of XXXX XXXX , had reported a collection item on my account for a supposed debt of {$76.00}. When I called the provided phone number to request substantiation of the debt, I received an email with only the name of the creditor and a vague " Move Out Statement '' that basically support my above recount of the event, and the original debt amount of {$76.00} as well as a total due of {$78.00}. 

I have learned from other tenants and a past employee that this is not a rare occurrence but rather a consistent scheme used by the management company to collect small nominal charges that many residents may not bother to fight. This appears to be a fraudulent practice that defrauds past residents with small insignificant amounts that may accumulate to a significant annual sum for the management company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a XXXXXXXX XXXX resident and the credit card company has raised the interest rate to over 31 % in the last couple of months. I've tried to discuss them lowering the rates but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX I want to open checking account the Bank of America, but teller said I am banned by XX/XX/XXXX. 

They didn't tell me the reaseon. 

It's unfair. I want to open checking account from the Bank of America as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX The U.S. Agency for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Cellphone - ( XXXX ) XXXX - XXXX Fax - ( 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 monetary relief
Consumer complaint received 2023-04-18 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  account number # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that 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 1681s-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 2023-04-18 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: NJ

Complaint narrative:
I noticed 2 accounts on my report that do not belong to me

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 2023-04-18 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: NJ

Complaint narrative:
I noticed 2 accounts on my report that do not belong to me

Company response to consumer: Closed with explanation