vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: OR

Complaint narrative:
Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. 

DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. 

XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. 

XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have reached out to Credence Resource Manage because i noticed it was a charge on my credit I have no clue who these people are I asked for a list of documents .contract with my name and signature .full payment history .Name/Address of original creditor .Proof of ownership of debt I was told they don't have ownership they was collecting for someone else without sending me a notice or verifying proper documentation the supervisor verbally said they don't have ownership of this and the information was never sent out properly so I asked for it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc
State: MD

Complaint narrative:
I contacted XXXX XXXX to have a door put in my basement. XXXX XXXX and I had discussed some issues that we were having with the completion of the project. I have been in communication via email with the manager XXXX and explained to him that I was dissatisfied with the service he responded through email stating that he will contact me back. Since XXXX of last year I have been calling and calling and he had not answered the phone. Finally, in XXXX I gave up calling. XXXX I received a debt collection. I contacted the debt collector and let them know that I want it to dispute the total charge because I didnt get call back from the store manager. The debt collection manager put in a request to speak to XXXX XXXX XXXX manager but no one has responded back it has been well over 30 to 45 days and I have emails from the debt collector stating that XXXX XXXX has been non-responsive to them as well. 
I do not feel this is fair to me as a consumer when I have been trying to resolve this since XXXX of last year. I have Phone records and emails from both XXXX XXXX and the collection agency and no one is able to tell me anything. The collection agency is telling me that the results of my dispute will remain open indefinitely until XXXX XXXX  decides to respond to my complaint. my dispute was filed XX/XX/2022 with Joseph, Mann, Creed. If necessary please let me know because I have phone records I am able to show you from XXXX showing I have been calling the store as well trying to get in contact with the manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 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: OR

Complaint narrative:
I got a credit card for {$300.00} and they put my credit in the XXXX points for a {$300.00} credit card that just does not seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MI

Complaint narrative:
So what happened I signed up for chime credit builder it said no interest rates or fees or monthly payments and I went To go look at my pay Check and it was short I contacted my manager and him and he checked and said they sent me more Than that I looked at my credit builder and said it thank you for the payment of XXXX and I didnt agree to pay it I contacted them twice back in XXXX and they said Ill get the money back in check form on XX/XX/XXXX and I called them again a week later and they said Ill get it XX/XX/XXXX which is today and I didnt get the money I contacted multiple people that I know who has chime and they told me theyve never had to pay XXXX for credit builder or any amount of money and I closed my account and before that they tried to take the money from me again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX 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
Consumer complaint received 2022-07-13 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: NJ

Complaint narrative:
made a purchase at XXXX XXXX XXXX at XXXX today, at XXXX i received a text message saying my debit card is temporarily locked, i called my bank, they said not true, the message said to call XXXX XXXX # ) Visa-Card temporarily XXXX, i did not call them, i think it is a scam!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: FL

Complaint narrative:
The original creditor submitted claim under incorrect insurance member ID. They had 6 months to resubmit under correct member ID but instead sent to SCA Collections to try to collect this debt. XXXX XXXX waited until more than 1 year after date of service ( XX/XX/2021 ) to resubmit claim to XXXX XXXX for payment under correct Member ID. I have attached documents from XXXX XXXXXXXX XXXX my XXXX insurance ) showing the amount of this debt that I am responsible for is XXXX! PLEASE seize all attempts to collect this debt and delete from my credit report 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 2022-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, I sent via certified mail validation/verification letters to target /td bank. They received it around XX/XX/2022. They have failed to respond and they have refused to remove the debt from my credit report. They are violating FCRA and FDCPA by trying to collect a debt they can not or failed to validate/verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
I received an alert for WebBank/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022, I received communication from PayPal accusing me of violating PayPal 's Acceptable Use Policy and subsequently permanently blocking me from doing business with PayPal. 

After a thorough review of PayPal 's most up-to-date version of the Acceptable Use Policy, I unequivocally denounce any wrongdoing or violations of this policy. 

I have never disputed a transaction, never chargedback a PayPal transaction with any of my banks, none of that. 

PayPal does not provide any method of appealing the decision ( which was likely an automated decision to begin with ). Many online merchants only offer PayPal as a payment method, so PayPal 's misguided decision to cease business with myself creates a problem that is beyond the scope of directly transacting with PayPal itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to equifax that I sent to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Equifax telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. XXXX has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX  since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I paid my balance in full in the month of XXXX on the XXXX, XXXX  in full in the amount of {$6600.00}. Chase credit services choose to charge me an additional interest charge of {$56.00} for XXXX. When I paid the balance on the card I asked for a current amount due. They showed a balance of {$6600.00}. I called their customer service to dispute the invalid Charge they refuse to refund the invalid charges. I would like a full refund of the {$56.00}, and file any charges against Chase for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunset Solutions Group, LLC
State: NM

Complaint narrative:
Received a threatening automated call on Monday XX/XX/XXXX from XXXX stating that legal action will be taken if I don't return their call. Received another call today XX/XX/XXXX. XXXX who called herself XXXX left a voicemail. I called the number she provided : XXXX. She answered and stated she was from Sunset Solutions LLC debt collections in regards to Payday loans. She informed me that my original loan was {$1300.00}. I had made payments up until XXXX and still owe {$410.00}. My loan appeared on her desk within the last few days. She informed me I need to make immediate arrangements or legal actions will be taken. She said she has a subpoena ready on her desk. I told her that I paid that off in full in XXXX. I also had another call back in XXXX for the same exact thing. I stated to her that I told the previous guy I paid it off and have a receipt. If he could give me the information to forward it, I would send him a copy and never heard back from him since. I told her " how do I know you are not fraud? '' She said she would sent me the emails and websites to prove they are legitimate. I told her I would have to go home and find a receipt, since it has been several years back and paid for I most likely shredded it. She said to return her call when possible and we could work something out by sending {$150.00} for the first payment if I didn't find the receipt. I called her back, she did not answer. 
I researched this on XXXX and it says it's a possible scam. 
I tried to get in touch with Payday loans, they are no longer in business in my area.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-13 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to experian that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Experian telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. Experian has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.

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 2022-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear Sirs, Comenity Bank has made it impossible to see your statements, they add late fees every month that are not warranted, the site will not work at all now for over a month. There are SO many complaints and issues about this company which is now owned by Bread Financial, they never advised their customers of this, meanwhile they still allow you to buy, but there's no way to pay!! It's totally bizarre! Please investigate!! I am working on building my credit, and pay my bills on time, but this situation is intolerable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Transunion credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : 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 XXXXXXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.

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 2022-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: WA

Complaint narrative:
I made a purchase for some plants online from XXXX XXXXXXXX. I did not receive plants and instead received twigs and sticks and broken pieces of leaves. I complained to the company about this but they insisted they would resolve it. Very few of the items grew. When I asked for replacements, the company refused despite their warranty. I later found they have a track record of not sending what is ordered and not honoring their warranty. I then contacted Chase for assistance and provided documentation. 

Chase has been going back and forth with me on this. I have submitted a variety of documentation and spoken with several representatives. Despite the warranty that was provided to Chase, they want expert testimony about the fitness of the plants. This is a {$230.00} transaction for plants from my yard. I doubt an expert would get into this and it would certainly cost more than the transaction. 

There is a warranty. I provided a copy of it. The merchant provided a copy of it. It is clear that the merchant is not following their warranty. The merchant did not provide the merchandise I ordered. It was not as described. The merchandise did not perform as warranties and described. There are several reasons for this transition to be refunded. Chase is supposed to provide protections for customer who do not receive what they ordered and when merchants do not follow there warranties. I have provided tons of documentation about this. 

What good is a warranty or credit card protections if no one will uphold them? What is the point? I should not have to pay for something that was not as described. And if Chase will not follow its own card agreement, then there should be consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: FL

Complaint narrative:
Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Equifax credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.

Company response to consumer: Closed with explanation