vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller and Steeno, P.C.
State: TN

Complaint narrative:
Who the XXXX does Miller and Steeno , P.C . think they are, making misleading and false statements about me? Let me make this crystal clear to you XXXX : you might get away with preying on others, but you won't pry on me or harass me with your XXXX comments. Congratulations, you've managed to pile up even more FDCPA violations and break the rules you're supposed to follow under the XXXX XXXX XXXX. Your XXXX XXXX might believe you're above the law, but let me assure you, you're not. You've trampled all over 15 U.S. Code 1692d, 15 U.S. Code 1692e, and ABA Rule 7.1 ( XXXX ). 

I won't stand for your XXXX garbage and the garbage you've spewed about me. The CFPB exists because XXXX like you need to be reined in, and I have every XXXX right to question you, especially about alleged debts that I sure as XXXX don't owe. And let 's not forget, not a single one of my demands was addressed in any of my complaints against you. Oh, and let 's not leave out that XXXX XXXX XXXX conveniently " forgot '' to provide his XXXX BAR License Number and XXXX state law license. Well, guess what? A Bar complaint is heading straight for Miller and Steeno, P.C., and XXXX XXXX XXXX better start complying with the demands in this complaint. 

I demand that you immediately close this file in your offices, cease your collection activity, and stop this relentless harassment. If you have any sense left, you'll start complying, because I'm not messing around. When I told you I'd fight you to the ends of the earth, I XXXX well meant it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX  Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : COMENITYBANK/COMENIT Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Homestar Financial Services reported my mortgage as 120 days late even though I was working on a mortgage modification with them and they transferred my mortgage before the modification was complete. 

The company negligently transferred my mortgage to another lender without finishing the mortgage modification process, violated the law by reporting my mortgage as late AFTER transferring my mortgage less than 60 days ago, and refuses to fix the situation because 'they don't have my mortgage anymore '.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
This company is reporting on my credit file as a collection under 3 different collection agency names. No information to verify the debt belongs to me. This company is in violation of the FCRA reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Southwestern Financial Services, LLC
State: NC

Complaint narrative:
I purchased a used XXXX XXXX XXXX on XX/XX/XXXX the vehicle seemed like it was driving weird on the highway I took the vehicle to XXXX XXXX XX/XX/XXXX had an inspection done they told me the transmission and rear differential was badly damaged and was failing I called the finance company whom was XXXX XXXX at the time and also took the vehicle to the dealership I requested my money back and for them to take the vehicle they refused and said they would repair it they never repaired it in XX/XX/XXXX the vehicle broke down I called the finance company in XX/XX/XXXX and they sold the contract to XXXX XXXX XXXX XXXX XXXX XXXX whom took over collections, etc paragraph XXXX of the purchase agreement states that if there is a window warranty agreement it voids anything else in the agreement I also sent a letter to rescind and a cease and desist to XXXX XXXX XXXX XXXX XXXX XXXX they continue to report this voided agreement on my credit report which is fraud they never upheld the agreement so we have no contact with each other they need remove this fraudulent information off my credit report because I do not owe them and pay me all money ever paid on this voided agreement I will attach all evidence on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of identity theft I called the company and explained the items dont belong to me. 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 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has very private personal information reported on the credit report. The last 4 digits of my social security number and Full date of birth is a breach of privacy. I never gave Transunion consent to report or share any of my information and it needs to be removed/Block from the credit report IMMEDIATELY.

I have had to replace debit cards due to someone getting my information and social media hacks. These credit reporting companies are making it very easy for identity theft to occur. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft

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 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CBM Services, Inc.
State: MI

Complaint narrative:
CBM didn't apply payments to accounts as agreed. CBM took payments on accounts, that the original detour also took payments. CBM failed to report accurate statement balances to the original debt holder and notify the original detour of accounts paid in full. CBM failed to supply accurate account information as requested. CBM failed to reply to requests of validation and verification of debts. They threaten to sue if payments are not made. CBM has not updated there collections to the original detour. There representatives are rude and hangup on you. CBM failed to work with the amount owed, and insisted on full balances being made. CBM has increased the amounts owed, that don't correspond to the current accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
Received the card from a Class Action lawsuit even though I opted as a XXXX  only payment method. Received the email as Virtual Disbursements Prepaid Mastercard, contacted the attorney to verify the payment was legit confirmed it was. Used the money from the card in one purchase since I read the contract of terms said there would be a multitude of charges. I wrote down all phone numbers for the mastercard. I have tried multiple times to call these phone numbers for customer service to cancel the card and close the account so that I would not be charged the inactive card fees. The phone numbers provided on the web site and in the terms of use for customer service are, XXXX, and XXXX, The website is XXXX XXXX XXXX 
The terms of use said " b. Account ClosureYou may close your Virtual Card at any time by contacting Customer Service. Your request for Virtual Card closure will not affect any of our rights or your obligations arising under this Agreement prior to the request. Should your Virtual Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in the Long Form. We reserve the right to close your Virtual Card account should you complete or attempt to complete any of the prohibited actions in this Agreement. '' I can not reach a person and both phone numbers only has you go in circles entering your card number, expiration date and the CVC code. The website does not provide even a email address to reach out to anyone. I want this card cancelled and the account closed. Today XX/XX/XXXX I have tried both numbers and was unable to reach anyone, I previously tried both numbers XX/XX/XXXX multiple times and XX/XX/XXXX, unsuccessful to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had unauthorized transaction on my account on XX/XX/2023 I called report the same day they I need to wait until the transaction is posted in my account it was posted in Friday than in Saturday it was denied it was system determined it was valid no erro occur I called them not helping at all I dont know what to do keep telling them contact the merchant they are refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
this reporting agency Experion and XXXX and XXXX was reporting a auto loan for {$10000.00} & a credit card for {$12000.00} from XXXX XXXX XXXX XXXX and a collection account from XXXX XXXX XXXX for {$130000.00}. 
These account was being reported under my name by error either from the credit reporting agencies or the Bank I do not know but about 18 months ago when I first noticed it I have been back and forth disputing it with all 3 reporting agencies and the creditors and have been providing them with my ID 's showing who I am to help them remove these account from my file. 
since then XXXX did remove all 3 as not being my account but XXXX and XXXX are not doing anything to correct their reporting and although the XXXX XXXX XXXX XXXX and the XXXX XXXX have sent letters to the agencies to help correct their error but instead of removing these items they are now reporting as one showing " paid and closed " and the other as being accurate and are refusing to correct their wrong and inaccurate 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I placed an order for a XXXXXXXX XXXX through the CapitalOne Shopping app on XX/XX/XXXX at XXXX for {$1700.00} ( before tax ). The CapitalOne Shopping app was advertising 30 % rewards/cash back for XXXX purchases, which would give me {$510.00} cash back. I have screenshots from my XXXX showing I purchased the mattress through the app. The screenshots also reflect the 30 % cash back offer and that the offer was activated. On XX/XX/XXXX it will be 120 days since I made the purchase. I have emailed XXXX XXXX times over the past 4 months with the proof of order and multiple screenshots taken during the shopping and checkout process. 

Attachments reflect that I made the purchase at XXXX. The order confirmation I received from XXXX also confirms purchase time at XXXX. 

The first and only response I received was on XX/XX/XXXX. It confirms they know I made a purchase through the app. I have pasted their first and only response here. They refuse to respond to my emails since then : XXXX ( Capital One Shopping ) XX/XX/2023, XXXX XXXX Thanks for contacting Capital One Shopping! 

I've looked into your request, and it looks like it's been less than 30 days since your purchase was completed. At this time, your rewards are being confirmed and processed with the retailer. Unfortunately, the most I can do is ask that you wait until it's been at least 30-60 days, and then check again to see if your rewards are available. The retailers we work with need time to account for adjustments, returns, cancellations, and exclusions, so once that process is complete, your rewards will post to your account. 

If your rewards are travel-related, those can take up to 90 days to post after travel is completed. 

Thanks for your patience and understanding, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I made a XXXX transfer XXXX $ at XX/XX/XXXX and XX/XX/450 $ by debit card, they say I can make a chargeback before 60 days, but I request it, they denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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