vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
This is my 4th complaint against Contract Callers. A collection was re- added to my credit report on XXXX XXXX. These collection companies must be stopped. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. Is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. Please stop this company from contacting me and harassing me after the last CFPB complaint or I will find a free law service to help me file a harassment lawsuit. My last complaint was filed XX/XX/2022. Why is this activity from this company allowed. I never received mail correspondence from them. This is illegal what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: CO

Complaint narrative:
Certegy said I bounced a check and owed money. I haven't bounced a check in over 30 years and my bank has an anti-bounce feature on my account in case I ever did make financial mistake. I called Certegy and disputed their claim. They sent me Dispute paperwork that asked for all sorts of very private information : social security number, bank account and routing number, etc. I showed this all to the Customer Service at my bank and they told me to ask for a copy of the check that Certegy said I bounced. I called Certegy and told them this and they said they would send the check. It never came but Certegy went on to send another letter demanding payment. I have attached complete documentation of all of this as it will make the matter perfectly clear. I see the Federal Trade Commission has numerous complaints against Certegy- I tried making my complaint there but it seemed their system wanted me to complain here. Please help. Thanks and best wishes, 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 2022-12-25 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: CA

Complaint narrative:
Hi the problem Im having is when I apply for credit I get denied stating I have severe delinquent accounts. On my actual credit report it shows no delinquent accounts. This is causing me to be denied the opportunity for credit.

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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received notice of alleged debt relating to overdraft charges on an account which had been disconnected prior to charges being incurred. Wells Fargo refused to remove the charges and subsequently closed the account after I sent a negotiable instrument with specific instructions to discharge I received no notice in writing from a third-party concerning dishonor of the instrument. Inquiries into the missing instrument have yielded no answers. Written responses to Wells Fargo have not been answered. According to the Maxims of Commercial Contracts by acquiescence Wells Fargo has agreed to charges of fraud against myself and co-owner the trust entity. 

I read about many fraud charges being leveled against Wells Fargo including employees fraudulently creating accounts and stealing money from depositors and other fraud. 

I read about the XXXX XXXX settlement that had been reached and I wonder why Wells Fargo has not contacted me concerning the account charges and the account closure.

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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
An Email was changed to my Credit to Two of my Credit Bureau and Probably other informations like my address and Email and Password and Name and age

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX called me in XXXX XXXX to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to Credit Corp Solutions for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from Credit Corp Solutions saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
The debt is not from the original creditor as I got a letter showing another company paid for a debt they claim belongs to me again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The debt originator does not have the original or signatures from me, They did not provide me with who was spoken to and when was this debt assigned to collect. They are not giving me any evidence to show clear ownership of the account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please have them provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I invoke my rights as a consumer. 

A bureau can not furnish something that they did not receive written consent from the consumer to furnish. 

I never gave XXXX, XXXX or XXXX written consent to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The month of XXXX, XXXX and XX/XX/2022 the amounts are increasingly different. I used to pay XXXX XXXX and some odd dollars but now the bank is asking for {$920.00} in the month of XX/XX/2022 and they are not giving me an explanation as to why it has become this amount. It has more than doubled. All theyre saying is, this is what you have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Requested removal of unauthorized inquiry which Equifax returned as a factual documentation coming from me but without no actual documentation to prove this was coming from me I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge. I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition. I respectfully request a copy of any documents authorizing credit inquiry. and signed on mv behalf. so that may verity its validity. 
If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. It you tind that I am in error. then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sold some tickets from XXXX  thru their website. A few days later I recieved a email saying the ticlkets were sold and XXXX would be deposited as soon as I went and put in my bank account information The next day 2 small deposits were made and I was asked to verify them which I did. When the money never arrived I went online to look up XXXX  customer service because no response to a email I sent ever came. When I called a XXXX gentlemen answered after a recording saying I was second in que played. He identified himself as a XXXX  employee. After explaining the issue he said the problem was XXXX  software was having issue because they had been scammed for XXXX and recently changed their procedure for verifying accounts. He asked me to go to XXXX  and download a app called XXXX XXXX. Once I did and opened the app he asked me to read him a code which I did. He then asked me to go into my chase acct and do a supposed dummy XXXX  deposit to a odd email address with name of XXXX XXXX. He assured me the money would never leave ( which it didnt right away it was listed as pending } About 3 hours later chase sent me a text reducing my balance by that amount. When I reported it to chase they said they were not responsible since I authorized the payment which I really didnt I only authorized what I thought was a verification hold But the bank makes no distinction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: KY

Complaint narrative:
Dear CFPB, I'm XXXX XXXX XXXX senior citizen. Please note that I've filed a fraud alert case with American Express. Apparently, offshore scammer called my phone and pretended to be a merchant ( employee of airline vendor called Just Fly ). The scammer received my airline ticket booking ID. From that booking ID, he repurchased tickets. That charged my AMEX card three charges on XX/XX/XXXX : XXXX ) {$400.00} XXXX ) {$200.00} and XXXX ) {$910.00}. I NEVER SHARED AMEX CARD INFORMATION NOR DID I APPROVE THESE CHARGES. The scammer was able to rebook airfare without my consent only by using my existing booking ID. 
I filed fraud charges with American Express. As of this writing, I filed at least three fraud charges with American Express on same transaction. But, they keep reverting charges back to me with excuse that I've shared card details with the merchant. I never shared card details nor I authorized these charges. But, American Express fraud protection team is not willing to even consider this. I tried explaining them at least 10 times on the call and through live chat with support. Initially they open fraud case and in few weeks they remove fraud case and revert the charges back to me. 
I'm not sure why they don't understand that I didn't give my card details nor authorized these charges. XXXX scammer was able to charge my AMEX card through airline reservation details. These are fraud charges and they need to be removed from my account. I'm retired and can't afford to pay these charges that weren't made by me! I'm begging CFPB to save me from these fraud charges!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank reported that I applied for credit but I never applied this is identity theft and I have attached the report to show this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
I told the initial caller roughly XXXX weeks ago to stop calling. I discontinued their credit card. For XXXX weeks I have received 7-9 calls a day with a XXXX from each call. On XX/XX/22 from exactly XXXX to XXXX I received XXXX documented calls all leaving a XXXX of roughly XXXX seconds each. This is the definition of creditor harassment. Indigo XXXX is more like a loan shark the a legitimate credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX # XXXX, Account Name and Number : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2022-12-25 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: NC

Complaint narrative:
Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.

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 2022-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
The Title loan company Wheels Financial Group, LLC dba LoanMart has not been licensed in the State of Florida XXXX XXXX XXXX XXXX for 20 years and they are acting illegally as a service provider for XXXX XXXX XXXX in Utah. They're trying to collect on a voided loan due to the company 's non-compliance with the Florida Title Loan Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: MI

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 XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Chapters View

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 2022-12-25 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: MI

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 XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Chapters View

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. The information that listed on my credit report XXXX XXXX XXXX XXXX does not relate to any transaction that I have made

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 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have banked with wells fargo off and on for over 20 years. Anytime our account overdraws they switch around transactions so a more expensive transaction goes through first then add overdraft fees to more transactions because the smaller transactions aren't able to be covered. My app indicates the correct order as I process transactions but changes once they move things around. 

They claim that they post to the account in the order received from the vendor.

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 2022-12-25 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief