vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Linebarger Goggan Blair & Sampson LLP
State: MD

Complaint narrative:
Linebarger Goggan Blair and Sampson LLP has been harassing me since XXXX about a debt I do not owe for a vehicle that was sold to XXXX XXXXXXXX. I contacted XXXX XXXX several times and they said they notified the state of Virginia that this car was sold to another party. This company has negatively impacted my credit and also harassed me over and over again on the phone with bogus numbers and threats. When I called them today, the person who responded to the call said she could not talk to me unless I paid the debt. Even after I explained to the woman that I did not have the car and it was sold in XXXX, she refused to talk to me. 

So, I am turning to to you to stop this company from contacting me and to have them take this falsified debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I made a purchase with my Chase credit card on XX/XX/21 from XXXX XXXX. I didn't receive my furniture until XX/XX/21. After getting the furniture ( Loveseat, sofa, chair and a half, and an ottoman ) something was wrong with them and the quality was terrible. It was not the same as what we had tested and sat on in the store. The material was different, the ottoman material was different from the couches, and it made a creaking noise and there were fuzzballs on the cushions. I reached out to XXXX ( the store and customer service ), in XXXX, XXXX and XXXX, and I got the run around and was laughed at and told I could not return them for a different set. So I reached out to my credit card company in XXXX. They filed a dispute for me, in which they told me if XXXX XXXX wasn't willing to help me with a return, that Chase would get me a credit for the amount of XXXX. I recently received a letter from Chase stating that my dispute was closed because the charge was valid because I did not return the merchandise. They denied my claim without even trying to take my side as a customer. They just discarded my dispute for the most absurd reason, when knowing they were couches I couldn't just load in my car and return, also knowing XXXX would not let me return them. I reached out to Chase two days ago, and she stated it was too late to reopen a dispute and there was nothing they could do. As a long time customer, they did a huge disservice to me, and did not stand by my side or try to help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX my account was hacked by a spam call. Bank of America closed the account to investigate and gave me a new account. In XX/XX/XXXX they forced closed my account and charged me with the fraud on my account. On XX/XX/XXXX they withdrawal {$350.00} without my knowledge and didnt explain the reason.

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 2022-03-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXXXXXX XXXX XXXX XXXXBalance {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}

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 2022-03-03 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: UPGRADE, INC.
State: GA

Complaint narrative:
ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; XXXX XXXX XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

UPGRADE INC, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on 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 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
This account is closed as of XXXX have reported late payments every month to be credit reports for the last 4 and 1/2 years. I do not have this vehicle. When calling this company they refuse to connect me to an associate they refer me to a collection agency that NEVER answers the phone. If I'm being referred to a collection agency anytime I call WHY IS THIS ACCOUNT STILL OPEN ON MY CREDIT REPORT. Its been referred to XXXX XXXX so why is this still open? No one at credit acceptance will speak to me and I can not contact anybody at XXXX XXXX. This needs to be placed as a repo or closed account. To report to my credit every month as a missed payment is outrageous when I do not have this vehicle.

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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance {$290.00}

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 2022-03-03 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 act XXXX Account # 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

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 2022-03-03 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Hello, Earlier this year I had financed a vehicle at the XXXX XXXX XXXX of XXXX Oklahoma. They did not follow Truth-in-Lending requirements. I asked " can you explain to me how your APR works ''? their response to me was ; " you can probably explain it better than I can ''. Being I wanted my truck back I nodded along. There is also a requirement that I have the mouse in my hand checking boxes in the financial document while the finical officer of the company explains things to me. 
The credit company that did accept me as a new client to provide financing for me loan was Credit Acceptance Company. I contacted them after I had made 3 monthly on time payments. I was even making mid-term payments. I asked them " can you help me with licensing this vehicle so I do not have dealer tags on it, and can legally drive it around with my full-coverage insurance ''? I then went on to further explain to the person from credit acceptance company I was speaking with the something I explained in the previous paragraph of this complaint. The person on the phone in a low tone apologized to me, and cleared this transaction, and credit look up from ever taken place on my credit history. 
This is the time I called the dealership XXXX XXXX XXXX of XXXX Oklahoma. The dealership told me they were having troubles locating the title for my vehicle. I played phone tag for about a week. My mother was the previous title holder. Her and I drove to the XXXX XXXX XXXX ( Oklahoma version of DMV ), and we preformed a title exchange there claiming the truck as a gift because there was no money exchanged between her and I. I have a title from the state of Oklahoma that has my name, and my name alone on it. This truck is legally mine now. 
XXXX XXXX XXXX of XXXX is claiming to have a mechanic 's lien on my vehicle in my dad 's name because he is the person who traded the truck in. How do they have a lien on a vehicle that is in someone else 's name? 
My conclusion that being the truck is mine, and XXXX XXXX violated consumer protection laws via not explaining all the elements of the loan contract to me. I mentioned that I was interested in finance to the person conversationally, and suddenly they no longer need to explain elements of the contract to me? Being I am poor I would love it if I could receive some kind of assistance to make XXXX XXXX learn that when the form says the client has to check the box ; the client has to check the box. I also feel I should have had some kind of official summons been severed by an officer of the law with a legal document as they occasionally due in their line of work. 
Thank you for your time and considerations, 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 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I don't owe anything to CREDIT COLL with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CREDIT COLL ( Original Creditor : XXXX ) XXXX Balance : {$60.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I keep getting charged different amounts for the same visit and its frustration and honestly induritating. As I am being charged by XXXX XXXX twice and then from the actual XXXX XXXX? I am not going to keep paying amouts for the same thing. Why am I being charged various amounts from every direction at different times. I paid {$56.00} for ( PIN : XXXX ) for XX/XX/2021. Now I am being charged another {$180.00} for the same date XX/XX/2021???? ( PIN : XXXX ). On top of that another {$110.00} from XXXX. WHY IS XXXX AND XXXX XXXX CHARGING ME DIFFERENT AMOUNTS CONSTITANTLY FOR THE SAME DATE!!!???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Was notified on XX/XX/2022 I was locked out of my navy federal bank account without notice I then went into a branch I properly identified myself and was told it would take 10 business day to resolve this matter here it is XX/XX/2022 my case hasnt even been touch after being told by multiple representatives is was in progress I need my medication I have bills to pay and this is causing me to have a lot of missed and late payment due to no access of my account I have tried to resolve this issue on multiple occasions nothing has be resolved no one has answers or no one has reach out nor sent any documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I don't owe anything to CARTER-YOUNG with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary corrections or just remove the account automatically. 

CARTER-YOUNG XXXX XXXX Creditor : DXXXX XXXX XXXX XXXX  ) XXXX Balance : {$92.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
An unauthorized transaction was made with my card at a XXXX website. I did not use any of the services at XXXX and XXXX refuse to give me my refund or credit back. XXXX and American Express company said that the XXXX website has a no refund policy. Therefore the case is closed. And no refund was credited back to my credit card. This is fraudulent activity to be able take customers money without them using XXXX services is bad practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; APPLE CARD / GS BANK, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!

Company response to consumer: Closed with explanation