vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company has repeatedly called me and spoofed their phone number they call every day and multiple times a day.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This debt does not belong to me. The amount of {$200.00} is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2023, my debit card was used at an unknown location, for which I did not recognize. The transaction for XXXX XXXX  caused my account to be overdrawn by a very small amount. I immediately contacted Discover upon viewing the suspicious transaction. The agent " XXXX, '' refused to cancel my existing card to my shock and horror, and started acting in a really condescending and accusatory way telling me she refused to cancel my card until I paid them back for the fraud. 

Never have I ever been scammed like this for one with an obvious fake card, but also never been so blatantly extorted for money on top of it for the fraud committed against me. I am beside myself with what has gone on here, that not only was my money not protected, but that also I am not being treated like the criminal at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
it was reported I had a late payment on XXXX account. I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
THEY did reissued me a new card but when I tried to use it they declined a purchase at XXXX XXXX for XXXX yet they claimed the card credit line was over 4k. they have been monitoring the card making it impossible for me to use. I am done with Discover card I no longer uses it. this is a clear case of Discrimination for what reason I don't know... .then they said that they was gon na report my info to all three credit bureau as fraudulent I dont know wither to seek legal counseling against this wicked company..or just don't do business with these clowns ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: NJ

Complaint narrative:
These credit bureaus are reporting inaccurate information Experian, XXXX and 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 2023-05-02 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: WV

Complaint narrative:
I have been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.

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 2023-05-02 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: NCB Management Services Inc.
State: CT

Complaint narrative:
Th

e reporting agency XXXX XXXX XXXX  are committing fraud against me. By reporting information that resulted in identity theft, pursuant to, 15 U.S. Code 1681 ( e ). Also 18 U.S. Code 894, they have and continue harming my my name as consumer and ruining the fact of presenting a better credit score if it wasn't for these fraudulent occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CT

Complaint narrative:
In accordance with the fair credit Reporting act this creditor has violated my rights in 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-02 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: WV

Complaint narrative:
I have been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.

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 2023-05-02 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: WV

Complaint narrative:
I have been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I had applied for a Chase Southwest Rapid Credit Card on XX/XX/XXXX. I had signed up for a special offer ( between XX/XX/XXXX & XX/XX/XXXX ) which included - If I spend XXXX within the first 3 months, - XXXX Bonus points- Companion pass through XX/XX/XXXX. 

I was shocked to see that none of these were added to my account. When I called customer service, I was told that I had signed up for XXXX bonus points- which is incorrect. I had recommended the same offer to 4 of my other friends since we all had to plan a trip for our sons cricket tournaments and luckily I had a screenshot ( attached ). I had spoken to the call center supervisor and he said he will send it to the right department and they will review and see if the promotion I applied for can be put on my card. I will know in 10 business days on whether it will be applied or not. 

Today I got a response that the marketing team determined the offer was not applicable to me and no explanation was provided. I will not be able to take this matter any further. 

How can it be changed automatically without the customer 's consent? How can the customer service agents confidently and repeatedly say that I had applied for only XXXX bonus points? I truly feel cheated. 

Disappointed, - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NJ

Complaint narrative:
These credit bureaus are reporting inaccurate information XXXX, XXXX and 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 2023-05-02 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: NJ

Complaint narrative:
These credit bureaus are reporting inaccurate information XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You are in direct violation of The Fair Credit Reporting Act XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

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 2023-05-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You are in direct violation of The Fair Credit Reporting Act XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: VA

Complaint narrative:
On XX/XX/2023, a stranger took my phone and was able to gain access to my entire XXXX XXXX app and account. He made some fraudulent charges including applying for a {$3500.00} personal loan and a {$600.00} cash advance on my credit card. The perpetrator transferred the money from the fraudulent transactions to another XXXX XXXX account member. He did a member-to-member transfer. Within minutes I reported the fraudulent charges immediately. While making the report, one of the representatives told me that I should empty my checking and savings accounts to pay off the fraudulent cash advance. I complied. She notified me that I would get my money back while XXXX XXXX completed their investigation ; but this left me without any money for days/weeks! I asked that XXXX XXXX please contact the member who received the money and take the funds back since it had not cleared yet. I was told a full investigation would be conducted and no identifying information about the other member could be provided to me. I understood, and depended on XXXX XXXX to conduct a full investigation as they said they would do. However, instead, on XX/XX/2023, I called XXXX XXXX to get an update on the investigation, at which time I was informed the XXXX XXXX investigation was complete and XXXX XXXX determined there was no fraud! I am not sure how a complete investigation was conducted when the perpetrators information was readily available to XXXX XXXX. The fraudulent charges were not transferred to some external institution. XXXX XXXX has the name, address, social, and a ton of identifying information of the individual who received funds from a fraudulent transaction, but nothing has been done to recover the funds?? How is this a full investigation? How has XXXX XXXX conducted a full investigation without even speaking with the assigned police XXXX who is conducting the criminal investigation? XXXX XXXX with the XXXX XXXX Police Department informed me he would be going to the local XXXX XXXX branch to do some further investigating, meanwhile, XXXX XXXX had already made a decision no fraud occurred. How can a decision like that be made when there is a current active criminal investigation being conducted? How was a full investigation conducted if XXXX XXXX has not even had any communication with the criminal investigator? If XXXX XXXX did their due diligence, you would have known that there were several victims who experienced very similar crimes in the same vicinity around the same time as me. I have provided XXXX XXXX with the police report, I have complied with every request, I have completed every form in a timely manner.

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 2023-05-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This is now the SECOND time I've had to file this complaint, the last one being in XXXX, 2022, so not even six months ago. I am getting an email in the middle of the night stating I have opted out of Early Pay with the Huntington Checking Account. This did not occur this time, nor did it occur the first time. Huntington has denied they sent the email, however the return address is in fact to Huntington. I tried the first time to speak to Huntington and they were unable to assist me, therefore I did not reach out to them this second time. It is pretty obvious there is an issue on their side since this issue keeps reoccurring. I want this rectified for good as this is quite the hassle. If this was the first time, it would be one thing, but again, this JUST HAPPENED, THE SAME EXACT THING IN XXXX, 2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j . 
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 explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
There seems to be an error. Please remove this account because this is not mine. This is so disappointing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
Please remove the account. This is an error made by the company and i'm the one suffering.

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 2023-05-02 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Synchrony Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information.

2. Average time since accounts opened is too recent.

3. Average time since revolving accounts opened is too recent.

4. Too high proportion of accounts recently opened. 

This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history.

2. No more accounts have been opened since the beginning of the business relationship with Synchrony Bank.

3. See point 2.

4. See point 2. 

Additionally : a. I have always paid before the due date and have paid more money than requested. 
b. They can verify that the only change in my credit history was reported by Synchrony Bank, so this is what affected my credit score. 

Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with Synchrony at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected. 

I hope you can resolve my problem as soon as possible. I have a family to feed. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was in Citizens Bank on XX/XX/23 Saturday and I was trying to cash or deposit a check for a severely XXXX man who is in a wheel chair. Mind you i have been in there before cashingvhis checks. I remember before this bank charging me XXXX for cashing a check like this. The check is a Citizens Bank Check. The Manager XXXX XXXX refused to cash or deposit a check from a man that is XXXX who is in a wheel chair. He said to me who are you I dont know you I am not helping you out. I told the man that is severely XXXX to take his money out of the bank and the woman who made out the check. What an awful way to do business. I would not recommend this bank to anyone. Awful customer service.

Company response to consumer: Closed with explanation