vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills. 

As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words. 

The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX  language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up. 

I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language. 
2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month. 

If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ).

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is in regard to TRANSUNION not meeting the requirements for having reasonable procedures that is necessary for meeting the everyday needs of commerce, specifically in its initial investigation of furnisher information on consumer reports. TRANSUNION has allowed the furnishing of inaccurate, unfair, and unequitable information on my consumer report which is not in accordance with the requirements of title 15 U.S. Code 1681.

It is a fact, and as defined in the Gramm-Leach-Bliley Act, a financial institution that extends credit and regularly reports negative information about customers to a nationwide CRA, must notify customers that they report such information. Example of negative information include a customers delinquencies, late payments, insolvency or any form of default. 
XXXX XXXX, a financial institution never gave me any notice that they intended to furnish this account on my consumer report. What is worse is that they furnished negative inaccurate information on my consumer report without prior notice. XXXX XXXX knowingly reported false information by being reckless in their reporting. Any natural person who looks at this account on my consumer report can see that XXXX XXXX is just furnishing information on my report recklessly. How does one have {$0.00} past due payments for several month to owing {$3100.00} the next month? See Exhibit A, attached. How is the high balance the same from XXXX to XXXX, when there were payments? See Exhibit B, attached. This is the reason I am holding TRANSUNION liable because they dont have any procedures in place to prevent this adverse information from being furnished this way on my account in the first place.

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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Caine & Weiner has violated my Federally Protected rights under the Fair Debt Collection Practice Act. They are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. I was never obligated nor responsible to pay an 3rd party debt collector. They failed to provide documentation and to let me validate the alleged debt before furnishing the tradeline. Caine & Weiner are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. You are now on Notice to Cease Communications from me from all mediums as stated in my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This company called pay pal illegally charged my card, but I never authorized them to use my card, may be someone misused my card and I want the refund immediately, I never used that company service or ever heard about them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CT

Complaint narrative:
Ive noticed a lot of unauthorized unverted inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

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 2022-10-06 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: TN

Complaint narrative:
The credit bureaus stated my account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number 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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
During the time of XX/XX/XXXX through XX/XX/XXXX, I was XXXX. Prior to being XXXX  some of my belongings were stolen. During that time, there were several transactions made that I did not authorize ranging from money being sent in XXXX XXXX to a scammer, to purchases for XXXX and XXXX. I filed a dispute with my bank on XX/XX/XXXX once I was able to have a phone ( also, my bank is Chime ). The amount of the dispute was {$600.00} ( Claim ID # XXXX ). I was able to submit proof to Chime that I was incarcerated and was not able to even access my phone or debit card to purchase anything ( with my book-in and release report ), and nobody should have been authorized to make these purchases. I was able to receive info from XXXX XXXX about where the transactions originated from and where the funds were being sent to. After submitting this information, my dispute claim was denied. Total cost of money taken was needed for rent, and I don't feel this was investigated properly. I filed my dispute on the XXXX of XXXX, the dispute denial letter says that the dispute was placed on the XXXX of XXXX ; the total time to investigate was XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MI

Complaint narrative:
Equifax has violated my Federally protected rights under the FCRA. I contacted Equifax today letting them know the account XXXX XXXX should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to XXXX XXXX but Equifax said they submitted paperwork saying it mine which is inaccurate. Equifax credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I learned by email on XX/XX/XXXX from XXXX that my credit rating went down. I logged in to find that Bank of America had made a hard inquiry on my credit. I logged into my Bank of America account and found out that I had a new " XXXX XXXX  credit card that I did not apply for. I called to have it cancelled and my annual {$59.00} fee reimbursed *but* could not find out how the application was made more than that it was done " online '' ( not sure if that means with the BoA app, on their website, maybe on XXXX 's XXXX ). I did receive an email last night saying that my card was being sent to my home address. 

I want to know if Bank of America opened this credit card without my permission of if someone else did. After about XXXX hours on the phone with BoA, I now have to go through an entire process with the local police and with BoA, in order to learn what information was placed in the application for this card - and won't learn about it for at least another 30 days. 

In the meantime, I did place a security freeze on my credit information with the top XXXX credit bureaus. I also did check to see if the XXXX had any type of mail hold to ensure that nobody was waiting for the credit card that is supposed to be coming through the mail

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 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am being scammed by paypal. 
I have set up a fundraiser for pet rescue which was approved however after having received many donations they just permanently limited my account all the sudden. saying some XXXX that transactions are at risk? seriously donation is a risk transaction? 
impossible to talk to them in order to resolve the situation I have already been seeking legal advice to join a class action lawsuit against them the attorney explained that they are taking money out of peoples accounts without any reason! so basically they just robb our digital wallets! 
please help me get my funds the total amount is {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX has violated my Federally protected rights under the FCRA. I contacted XXXX today letting them know the account Jefferson Capital should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to Jefferson Capital but XXXX said they submitted paperwork saying it mine which is inaccurate. XXXX credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
This is not a duplicate Congress Collections failed to follow the Notice to Cease and Desist Communication with me from all mediums as violating 15 U.S.C. 1692c. as I stated during my last complaint and my previous phone call. XXXX stated they couldnt identify me to my last complaint I then called and identified myself and told XXXX XXXX to notate my account as well to Cease all communications from all mediums and to date, they are still reporting. XXXX Any injury and damages I suffer from the negligent of this company will result in Federal Court as this is my last time trying to rectify this situation as are continuing to use my consumer report with extortionate means

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have tried relentlessly to get an error taken off my credit report. Macy 's American Express will not cooperate with me. I told them I wasn't able to log in to my account so I was unaware of the {$2.00} finance charge that was assessed. I paid my card off in XXXX and had a lingering {$2.00} interest charge on my account. They never robo called me to make me aware of the balance. When speaking to customer service they told me they don't call customers for balances owed that are that low. They sent notification to the 3 credit bureaus that I was 60 days late. I've asked them to remove the delinquency and they keep telling me the investigation is closed. I have proof of my attempted log ins back in XXXX and XXXX. I keep telling them I was unable to retrieve my monthly statement. Unfortunately they keep telling me that the investigation is closed.

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 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX has removed three of the items that are being reported as 'closed ' collection items. They are from XXXX XXXX, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made 5 separate purchases on my debit card from XXXX  over a year ago on our business atm card. Its been over a year and {$950.00} in purchases and the merchant never shipped the items or has responded. I contacted Wells Fargo to get my money back and XXXX with no success. They claim its over 120 days and they have no say. I want my {$940.00} back.

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 2022-10-06 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: NJ

Complaint narrative:
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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.

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 2022-10-06 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: TN

Complaint narrative:
The credit bureaus stated my account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX

Company response to consumer: Closed with explanation