vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MS

Complaint narrative:
In XXXX this agency XXXX XXXX  reported this on my credit. After calling and speaking with them letting them know I have no knowledge of this report as the cable they supplied was not my house. They never had my identification or my signature on anything. They removed it. In XXXX they reapplied this same collection onto my credit and I disputed it and got it removed. Now currently once again it is back on being reported. During the time they supplied cable service to an address I was actively ( still XXXX XXXX ) serving in the military in XXXX, then XXXX. Its no way possible I opened an account with XXXX. As soon as I turned XXXX years of age I went away into the XXXX XXXX. At this point its harassment. This round I keep disputing and no one is replying to my letters or my phone calls in the matter they keep mentioning I have to pay. I refuse to pay for a service i never acquired or have any knowledge of.

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 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
As a debt collector, LVNV FUNDING LLC are governed under the Fair Debt Collection Practices Act ( 15 USC 1692 ) with no exemption! It is a violation under the Act to acquire my nonpublic personal information from a 3rd party source and willfully contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ). With the intent to provide me false and misleading information stating I owe any such alleged debt, not only do I REFUSE TO PAY SUCH ALLEGED DEBT but Im also demanding LVNV FUNDING LLC to cease and desist communication through ALL MEDIUMS in reference to this alleged debt with me and ANY OTHER person pursuant to 15 USC 1692c ( c ). LVNV FUNDING LLC willful deceptive practices used evidence noncompliance under the Fair Debt Collection Practices Act ( 15 USC 1692for which the court may allow damages of {$1000.00} per provision identified that failed to be complied with pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). Understanding that LVNV FUNDING LLC have no legally enforceable contract in place that could be enforced under a court of law, LVNV FUNDING LLC is now subject to lawsuit for violating my consumer rights under the Act since LVNV FUNDING LLC decided to infringe on privacy and harass me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the day of XX/XX/2023 I was robbed of my belongings such as my wallet and cellphone most importantly, this occurred as I was in my local gym like any other. 
For a week or so I did not have any way of communicating since I didnt have my phone, when I acquired one I logged into my chase bank application realizing my bank account had been charged with some transactions not authorized by me thru XXXX XXXX XXXX XX/XX/2023 {$2900.00}, XX/XX/2023 {$2900.00}, XX/XX/2023 {$2600.00} in all {$8600.00}. I immediately called my bank to inform them, they cancelled my card and gave me a new one and they did return the money at first. 
Some time went by and in the month of XXXX it happened again but this time it was the bank whom had retaken the Money assuring that they had information against me saying that i had committed these transactions, they sent me this so called proof which all I saw where receipts of transactions from a different country under my name to some people that I have no knowledge of and have never seen them. 
I have gone to the bank and tried to prove my innocence by showing my police report of the incident and various other paperwork, till this day I dont get my calls answered and havent had any money claim case reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CA

Complaint narrative:
XX/XX/23 To : Chase Bank, Claims Dept. 
Tel : XXXX Fax : XXXX From : XXXX. XXXX, ( XXXX ) XXXX XXXX : ( 1 ) Consumer Financial Protection Bureau XXXX and ( 2 ) F.T.C. ( Report No. XXXX ) RE : XXXX XXXX XXXX XXXXXXXX RETURNED MERCHANDISE = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  RE : XX/XX/ - {$21.00} Claim Reversal This is an appeal of the claim reversal on XX/XX/. You are in violation of federal law and the Fair Credit Billing Act, and Chase will be sued for {$250000.00}, if this claim is not immediately reopened and handled in good faith and pursuant to law. 

Moments ago, I spoke to a rude woman on your telephone line, named XXXX. XXXX lied and said this was a travel cancellation and the charge was valid, because I didnt follow the travel policy. THAT IS A BLATANT LIE. This is returned merchandise, and has nothing to do with travel, or any cancellation. 

XXXX then lied, and said Chase contacted XXXX. XXXX said that didnt happen. 

XXXX then lied, and said Chase was never sent proof of return. Thats a lie, I attached it to my original claim. I have been on hold with XXXX 3 times, for nearly 40 minutes each time, and EACH TIME XXXX confirmed that they received the returned item ( which was never opened and never used! ) XXXX continued to lie, and stated XXXX disputed my claim, and provided a response on XX/XX/XXXX XXXX denies this. Notably, XXXX illegally refused to provide me a copy of this purported response from XXXX. I demanded a copy, over six times. 

Proof of XXXX receiving the return is attached, and XXXX email confirming a {$21.00} credit, is attached. Chase Bank is lying and committing fraud. 

ATTACHED : 5 Pages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: SC

Complaint narrative:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.

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 2023-06-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX  has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
XXXX XXXX are reporting missed payments to my credit bureau in my mortgage. when this information is not correct. Last year my loan was in loss mitigation and for this reason the bank did not allow me to make a payment. but they are reporting it as missed payments without this being true. 
I come to you to help me correct this. I have called XXXX XXXX several times and they do not finish correcting this situation.

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 2023-06-10 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: SC

Complaint narrative:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.

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 2023-06-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have not contracted any loan or loans

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 2023-06-10 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: CL Holdings LLC
State: CO

Complaint narrative:
I have not contracted any loan or loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Dear Credit Bureau, I am writing to dispute a report made by USAA on XX/XX/XXXX, which stated that my credit card account is delinquent. This account was closed and paid off in XXXX and should not have been reported as delinquent. As a result of this error, my credit score has been negatively impacted by up to XXXX points across all credit bureaus, including XXXX, XXXX, and XXXX. 

I have contacted USAA regarding this issue, but they have been slow to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This concerns a credit card issued by Synchrony Bank ( XXXX XXXX XXXX, XXXX, PA ) to pay for a home improvement. The card was advertised as an interest free card, when in fact it is a deferred interest card. The period ended in XXXX of this year and there was no direct notice of the end of the deferred period beyond a notices on the monthly statement that was not very prominent. I also made payments, above the minimum, online not paying much attention to the hardcopy statements. There were no warnings about the end of the deferred period online. When I went to pay the monthly charge online I notice that the balance had changed by {$5700.00}, the amount of the deferred interest. When I called Synchrony to ask about the charge and explained that I had every intention to pay the balance due to avoid any interest charge, they were completely unwilling to consider removing the charge and consider that their online notification at the end of the deferred period was absent. This deferred interest card product preys on consumers that don't pay attention to hardcopy statements or pay online. Such products should be illegal. 

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer report from First Advantage Consumer Advocacy Center. Through the mail. Pursuant to title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Based on that law First Advantage Consumer Advocacy Center have to give me a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to the bank to make a withdrawal and found out that I had no money in my account on XXXX XXXX XXXX XXXX and it was not me. They did a report about it did my claims I lost my social, and they referred me to this website to report it for protection of my identity.

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 2023-06-10 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: Self Financial Inc.
State: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

Under 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 an account without my written instructions.

Under 15 USC 166B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently sent letters on XX/XX/2023 to XXXX, XXXX, and TransUnion regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.

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 2023-06-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently sent letters on XX/XX/2023 to XXXX, Equifax, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-10 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: CO

Complaint narrative:
On XX/XX/2023 XXXX sent me an investigation response regarding an inaccurate account that they are reporting on my credit report, stating the account was DELETED. XXXX months went by and it was still reporting, so in XX/XX/2023 I sent them a letter stating that it was still reporting and to remove it. It's now XX/XX/2023, and they have not responded nor have they removed it. 
I've included their response showing that they " deleted '' it, the letter I sent them in XXXX and a copy of the credit report showing it's still reporting.

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 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw {$520.00}. Chase ATM informed me that exceeded my withdraw limit. I withdrew {$300.00} instead. I only received {$300.00} from the ATM. 

ON XX/XX/XXXX I noticed chase had debited my account for {$300.00} and {$520.00}. I called chase and they apologized and credited my account the {$520.00} I never received. 

Then on XX/XX/XXXX they debuted my account {$520.00} and labeled it as a claims reversal. 

On XX/XX/XXXX I called chase 3 times - each call lasted more than XXXX. They disconnected the first time. The second time I spoke to someone and they transferred me to another department that disconnected the call. The third time they transferred me to another department who couldnt give me my funds but opened a claim. 

On XX/XX/XXXX I visited the chase branch. They said they do not hold record of atm transactions or video footage but called chase for me. They stated they need to count the atm and if there is a {$520.00} variance they will credit my account and I need to wait a week. 

Chase will not realease any information to me on why they are rejecting the claim. I currently have - {$270.00} in my account and I need this {$520.00} back. I shouldnt have to spend this much time on the phone and wait this long for a resolution. Chase should not have the ability to take {$520.00} out of my account and leave me with a negative balance without communicating to me.

Company response to consumer: Closed with monetary relief