vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: MI

Complaint narrative:
This complaint is regarding dispute XXXX XXXX  with Citi. 

I purchased a software product XX/XX/XXXX. Upon using it and realizing it was not functioning as described in marketing materials that induced me to make the purchase, I requested a refund from the merchant on XX/XX/XXXX. The merchant refused to provide a refund or address -- much less provide support to mitigate -- the issues I found in the software they provided, prompting me to attempt a chargeback via XXXX. XXXX later denied the chargeback claiming the product did not qualify for buyer protection. 

As a last resort, I disputed the chargeback with Citi, the bank that issued the credit card I had made the purchase with. I opened this dispute on XX/XX/XXXX. On XX/XX/XXXX, I was informed by Citi that the dispute was denied in the merchant 's favor despite the merchant failing to address or provide evidence to refute any of my claims. 

I submitted a signed continuation of dispute letter on XX/XX/XXXX. I have attached all communication with the merchant, the dispute resolution letter Citi sent me, as well as the merchant 's response to my initial dispute claim.

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 2023-01-29 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: MI

Complaint narrative:
In accordance with the fair credit reporting ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-01-29 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: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
On XXXX  I was notified by my bank that I received derogatory credit reporting from Dynamic Recovery Solutions. I have never received correspondence and I am not familiar with this company otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: IL

Complaint narrative:
I noticed information on my credit report which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a long-standing excellent credit score, with credit monitoring for fraud and ID theft, etc., no debt, all on-time payments and my XXXX score is XXXX. When I went to buy or lease a new vehicle, I was expecting to get the BEST rate possible and for some odd reason, was denied it at the dealer. So I did not get the best rate! 

A week or so later, my " big 3 '' credit reports came from XXXX, XXXX and TransUnion. Although The first two correctly showed my credit score as XXXX, I received a " Notice of Adverse Action '' from TransUnion for XXXX Factor information not available ''? 

I am trying to file a dispute but their website makes it almost impossible and I need to call when I'm busy at work and have no privacy. I attempted the chat feature and after the agent telling me repeatedly she was working on it, I was disconnected! Can you please assist 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 explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
So I sent you guys a letter about XXXX weeks ago and still haven't heard anything back. You guys are reporting inaccurate information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have sent this company a XXXX XXXX XXXX letter using certified mail, return receipt and I have the receipt back showing they indeed got it. They continue to send collection letter but I do not owe them anything. After I accused them of misrepresentation of who they were they then admitted that they " bought '' this " debt '' from another company. I have no contract /agreement with this company and I have asked that they XXXX XXXX XXXX contacting me by USPS mail or any other ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Professional Recovery Management
State: TN

Complaint narrative:
Account number XXXX should be removed from my credit report. There's a new law that has passed in regards to XXXX XXXX. Please refer back to the recorded calls between this company and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And XXXX years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just XXXX late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was white. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the XXXX equal credit XXXX. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX people versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed XXXX payment in 2 years and my score drop close to XXXX points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance

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 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2010 I entered into a loan modification program with Wells Fargo. All payments were made complete and on time. In XXXX we decided to sell the home and use the proceeds to pay off the loan. After selling the home, and while in contract to purchase a new home, Wells Fargo incorrectly reported to the credit bureaus that I was 90 days late on my payments. 

Wells Fargo 's excuse was that the modification payments were not applied correctly, and due to the lowered payment amount, caused the loan to fall behind. The bank was taking the payments and applying the amount to the previous month, even though the amount paid was the new amount per the modification agreement. This caused weeks of headaches, hours spent on the phone with Wells Fargo just trying to reach someone who could make sense of the situation, days missed of hours, and unimaginable stress.

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 2023-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX, XXXX, I notified Bank of America that I am a victim of identity theft, based on emails that I received stating that a Bank of America account was opened without my consent. I requested that BoA close the account, send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I also asked that XXXX send me a letter explaining your findings and actions. I still have not received any written confirmation of these actions from BoA XXXX XX/XX/XXXX, I again received emails from Bank of America stating that an application for an account was approved, and another account was opened using my personal information without my consent.

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 2023-01-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent you guys a dispute letter on XX/XX/2022 and still haven't heard anything back. Don't you guys have 30 days to respond.

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 2023-01-29 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates sending my letters and calling me about old debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I try to fix this issue by dispute and try to negotiate instead they threaten me to take legal action if I dont pay them this debt. Please stop threatening me and remove this collection from my report due their debt collection practices and not validating this debt on time under the law FCRA regulations and requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened a Credit card on XX/XX/2013, the company name is XXXX XXXX they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hi, To whom it may concern : Here is a letter I sent ; I contacted bank, Congressman XXXX XXXX, I understand that you are very supportive of your constituents, and I truly hope you will support my quest for restitution from one of our biggest Bank in the United States, Chase Bank. In fact, as of 2022, JPMorgan Chase is the largest bank in the United States, the world 's largest bank by market capitalization, and the fifth largest bank in the world in terms of total assets, with total assets of US {$3.00} XXXX. 
Despite its incredible assets, Chase first refused to protect my small business assets from on-line theft and on-line hacking of my very small business bank account! Even after their failure to protect me the breach, Chase also refused to reimburse me the {$40000.00} that was stolen out of my bank account. I am a single father of XXXX, and have a very small XXXX XXXX. Hence, I often live from weekly deposits to weekly deposits. 
When I opened my bank account, I was informed that Chase insured my money and so did the FDI. On XXXX, my very small business account was hacked and {$40000.00} was stolen from my account. 
Chase initially refused to assist me recover my funds. After multiple telephone calls and pleas, after 120 days Chase has finally contacted me.

I was informed that Chase is looking into it, and it will take time. It is the holidays and I am struggling to provide holiday cheer and gifts for my family. Please, I need your help to speed up the reimbursement process. 
I am requesting that you please help expedite recovery of the money stolen from my bank account. That you for representing my interests and supporting my fight to recover my money from Chase Bank. 
My Chase contact is : XXXX XXXX XXXX. XXXX Wait till someone answers then give EXT # Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I had an Auto Loan through WellsFargo between XXXX. I believe I was misled and overpaying for my WellsFargo auto-loan. I ended up having to get my XXXX XXXX that was loaned through them repossessed and it eventually even messed my credit up so bad that I had to end up filing bankruptcy in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This company NCB Management Service Has Violated All of the Consumer laws first they repossess my car did not give me my 3 disclosures didn't receive any paperwork about the repossession also included inaccurate information on the credit report which against consumer laws which I did not receive paperwork of where the vehicle was located and that is very unlawful and fraudulent tactics. I also send them a cease and desist letter however they sent me a receipt of this illegal debt and did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Problem with personal statement of dispute
Company: Kikoff Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AZ

Complaint narrative:
Received notice for payment that went to collections. Didnt know I owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was charged service fees for checking accounts. I also had accounts opened that I did not request. In addition I would make purchases and they show up on my online banking then they would disappear showing that amount added back to my account then days later it would reappear and the charges would debit, sometimes this would create me making double payment thinking i had not already made the payment causing over draft fees sometimes.

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 2023-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And two years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just one late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was XXXX. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the US equal credit Act. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX XXXX  versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed one payment in 2 years and my score drop close to XXXX  points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance

Company response to consumer: Closed with explanation