vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING illegally Re-aged debt and implemented a false Date- of- Orignal- Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have available funds on the card but when I go into a store to make a purchase it is DECLINED. I have contacted the phone number on the back of the card and it states that it has a XXXX balance. On XX/XX/2021 I had full benefits on the card and up to this date I have yet to be able to retrieve the funds or use the card without an issue of it being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am currently facing one of the biggest fights of my life. I am under a lot of XXXX XXXX XXXX XXXX I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: PA

Complaint narrative:
There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, Transunion, and XXXX are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, XXXX, and Experian are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.

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 2023-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
Closing on my first home in XXXX  days and I am confused about the credits listed on the purchase contract as well as my cash to close. The lender used in the process is an affiliate of the builder/seller who has not been transparent with the numbers listed on the closing disclosure. I began asking questions on XX/XX/XXXX via email or text when I received the closing disclosure with a closing date of XXXX which was an error since my closing date was moved to XX/XX/XXXX. I asked multiple times for them to explain the breakdown of the credits as it is not clear on the XXXX. I am a veteran who is allowed to receive my earnest money paid as well as my tax credit back at closing, which DHI has repeatedly denied me of. At this point, I can not cancel the contract as I don't have another place to live and am expecting my first child in XXXX days. This entire process seems as though I was promised certain credits at closing and my lender is not being truthful and is changing the terms. Multiple emails, phone calls and text messages daily since XX/XX/XXXX until today XX/XX/XXXX don't answer my questions. The numbers on the CD do not add up to what is being relayed back to me when I use a calculator, which has been deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: LA

Complaint narrative:
I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2023-01-24 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: LA

Complaint narrative:
I sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 


These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NY

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 XXXXXXXX XXXX XXXX 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. 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 2023-01-24 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
This account is Paid

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Back in XXXX XXXX XXXX  misplaced my mortgage payment and for that reason my mortgage account appeared late for six payments and that affected my credit score. 
Therefore, tried to dispute the issue with Bank but my credit was never restored nor recovered and for that reason XXXX ruined my credit and affects my credibility and not qualify for any thing and no leader trust me because of my credit score which is resulted of those lates payments of which have never happened but the bank misplaced the transaction and appeared that was late but in real sense never late for any payments.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I dont remember its been so long but you guys kept messing up my account funds nd all that and I just closed my bank account down or you guys did then you asked me to reopen I said no cause I didnt like what you did

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wellsfargo for the last 7 years I was charged over XXXX in bank fees overdraft fees.i spoke several times with there ethics committee no luck i even hired someone to try and collect my fees and they denied it

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 2023-01-24 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
As previously stated in initial complaint, XXXX XXXX Co has legally failed failed to provide me with complete debt validation within the given 30 day period allotted to them by federal law. I sent their notice on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ) which was delivered to an individual on XX/XX/XXXX. They made the decision to ignore my request for debt validation for a total of more than 40 days until I filed the CFPB complaint. By law, they HAVE TO remove this account Their response to my CFPB complaint on XX/XX/XXXX was not only extremely late, but also entirely incomplete pursuant to Regulation F, 12 CFR part 1006. 

Unfortunately sending me a screenshot of a computer page with nothing but a name and email ( neither of which is mine ) is NOT debt validation via the most minimum requirements of the law. I am not approving additional time for debt validation and what they submitted to the CFPB is grossly incomplete in accordance with the above mentioned laws. 

I have attached the notice I sent to them, that includes the outline of what they are required by law to send. I have also included the documents they thought counted as debt validation ( none of it does ), and a picture of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for Chase XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase. 


I applied for Chase CHASE XXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase. 

I request recondiation but every time they just ask me verify again and again, then denied again and again, I don't know what they are doing? 
Please check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I agree to a debt collection with Synchrony Bank, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX Again I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.

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 2023-01-24 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:
I sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all 3 credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are 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 XXXX XXXX XXXX Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from.

This is Federal Law. It looks like yall are not following the Federal Law to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc.
State: IA

Complaint narrative:
I've tried to get in contact with SELF Lender about the Wrong reporting on my account, I had a Credit Card with Self Lender for a year that came with a savings account, at the time I checked my Credit Report they were reporting it charged off, and I tried contacting them to withdraw my money out of my savings account and they wouldn't let me. and I believe I had {$400.00} to XXXX in my saving account over the year and some months I with them. I sent them a letter of to verify what they are reporting is accurate but did not hear back.. I tried to I sent them another letter and still didn't get a response. I sent another letter on XX/XX/2023. its reporting late payments that I don't know of so I need this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
I found some errors in my Experian credit report, as the reporting standards were in violation of XXXX Compliance. I informed Experian of the discrepancies on XX/XX/XXXX. As of today, XX/XX/XXXX they have not responded to my letters.

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 2023-01-24 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: FL

Complaint narrative:
All these accounts are fraud

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 2023-01-24 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: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
how are you reporting XXXX collections for the same account when i have XXXX? 
see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I agree to a debt collection with XXXXXXXX XXXX, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX XXXX I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am XXXX XXXX XXXX and am writing this letter at XXXX XXXX on Friday, XX/XX/2023, because I can not sleep. I have Citibank accounts CHECKING XXXX, Citi Rewards Card XXXX and DEBIT Card XXXX. On XX/XX/XXXX, I had XXXX XXXX deposit {$12000.00} onto my DEBIT card XXXX so it would be handy when needed. On XX/XX/XXXX, I attempted to pay {$12000.00} to XXXX. I called the number on the back of card XXXX, XXXX for r instructions. I was told by YOUR employee to run a debit for {$10000.00} and then for {$2000.00}. This was to pay off a car I was buying, and that was ALL READY for me to drive off in. I tried it on a XXXX debit unit and it would not work. This was around XXXX XXXX on XX/XX/2023 I called Citibank back immediately to have them walk me through the process, and was informed that the {$12000.00} had been moved FROM.my DEBIT card XXXX ONTO my Citi Rewards Card XXXX without my permission and could NOT be withdrawn or put BACK onto my DEBIT card. Also, {$760.00} had been removed from my {$12000.00}. to pay off a Interest Free Loan I had which was due XX/XX/2023. I asked to speak to a SUPERVISOR at that time and was informed she REFUSED to talk to me. 

I then called your CUSTOMER SERVICE number, XXXX, the number on my statement. I asked to talk to a SUPERVISOR And was again denied. I found ANOTHER number XXXX and talked to a guy named XXXX who said he was a SUPERVISOR. He said the best they could do was transfer the {$12000.00} into my XXXX account number on file, XXXX, routing number XXXX, but it would take at LEAST two days, and probably up to five days. 

Of course, I could NOT get the car I was buying and which was ready for me to drive off the XXXX lot. It is costing me additional days rental at XXXX XXXX at {$75.00} per day, which I EXPECT Citibank to pay. 

IT IS NOW XX/XX/XXXX, AND I STILL HAVE NOT RECEIVED THIS MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2023-01-24 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: NY

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 XXXX XXXX  XXXX, 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. 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 non-monetary relief