vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: AZ

Complaint narrative:
The co. is XXXX 's. The latest communication was a letter from Merchant 's Credit Card Co. dated XX/XX/XXXX, in which they included a copy of a XXXX 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. 
I phoned and spoke to a rep at MCG on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that XXXX 's is referring to. ) The rep with whom I spoke told me he would let XXXX 's know that the merchandise was returned to sender. I have never shopped with XXXX 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am the son of XXXX XXXX XXXX and XXXX of the successors in the interest of the loan. XXXX XXXX XXXX, as a consumer and creditor, issued her credit card ( 15 U.S.C. 1602 ( k ) ) to XXXX XXXX XXXX, a consumer credit transaction was completed on XX/XX/XXXX, an extension of credit was granted, which created an account with XXXX Mortgage XXXX and pursuant to 18 U.S.C. 8, the bills/coupons are the obligation and responsibility of the United States , fully paid for the property at address XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX, for personal, family and household purposes. XXXX XXXX  XXXX disregards 18 U.S.C. 8 and persistently uses mail monthly in attempts to collect debt ( mortgage payments ) via the mortgage address. XXXX XXXX  XXXX claimed via usage of mail for the purpose of collecting debt ( mortgage payments ) that documents were mailed per requirement of the Fair Debt Collection Practices Act. 1. McCalla Raymer Leibert Pierce , LLC, on behalf of XXXX XXXX  XXXX, disregards 18 U.S.C. 8 and via usage of mail, attempts to collect debt ( mortgage payments ) at the mortgage address is harassment, abusive and oppressive. 2. McCalla Raymer Leibert Pierce , LLC 's use of " borrower '', " loan '' and amount of {$4600.00} is a false, deceptive and misleading representation that runs the risk of repayment of the property that has been fully paid for. XXXX. McCalla Raymer Leibert Pierce , LLC stated that if a payment of {$4600.00} is not paid by XX/XX/XXXX, then a foreclosure sale will proceed, is a false, deceptive and misleading representation that also runs the risk of repayment of property that is fully paid for. 4. McCalla Raymer Leibert Pierce , LLC on behalf of XXXX XXXX  XXXX, via usage of mail for the purpose of collecting debt, failed to disclose within their mail that they are a debt collector attempting to collect debt, is a false, deceptive and misleading representation that runs the risk of confusion and misunderstanding. 5. XXXX usage of mail for the purpose of collecting debt, McCalla Raymer Leibert Pierce , LLC 's threat to sell the property in the non-judicial foreclosure state of Georgia is an unfair practice that invades privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: NY

Complaint narrative:
I purchased an extra firm mattress at XXXXXXXX XXXX  XXXX on XX/XX/XXXX, for {$1100.00} + taxes, fees, and delivery ; the mattress has a XXXX warranty for any manufacturing defects as it states on their return policy. I tried to start my refund process yesterday, XX/XX/XXXXXXXX XXXX XXXX XXXX, through their online customer service. 

I explained in detail that the mattress has a manufacturing issue and it keeps sinking. The representative asked for a picture of the problem. I explained that you can not observe the mattress sinking unless someone is lying down on it. He then responded that as per XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the damage must be " visible '' for them to accept the return. 

However, on the purchase receipt on their website, there is no written statement that there has to be " VISIBLE '' damage for the product to be returned ; it ONLY states that there needs to be a manufacturing defect. The mattress was supposed to be EXTRA FIRM and it should not be sinking. In addition, I asked the representative to show me where in the policy it was written that there needs to be " visible damage '' and he said there was NOTHING that he can show me stating that there needs to be " visible damage '' but that it was company policy and there was nothing else that he could do. 

I tried to file a dispute online through my bank but it doesn't give me the option to report a problem maybe because it's from last year. 

The bottom line, the main problem here is that they are alleging that the policy states that the issue with the product must be visible. Ive attached a copy of the receipt which includes the policy, you can see that there is no mention of visible damage. Lastly, the manufacturer issue is UNBEARABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: DC

Complaint narrative:
Days ago, I went and bought a gift card at XXXX store ( XXXX XXXX XXXXXXXX XXXX DC, see the exhibit ). I have been doing it for decades. But, It could not work to pay for my email purchase at XXXX. I did try several times and then I realized that when I did back up it was registering a different number ( changed the last 5 numbers ) but kept the typed expiration date and security code. Then I did access the company website ( www.vanillagift.com ) but there everything was good, the balance was {$100.00}. So I went back to the same store, the consumer service staff checked and told me she was not allowed to proceed for the trade her manager will be there in the morning to do it. So she did stapled my receipt with my card. Next day, I came back in the morning but the young man at the customer service said who told me that the manager will be there he just talked to him or her the manager will be there in the afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: MA

Complaint narrative:
IC Systems has been calling me repeatedly from spoofed numbers during the past month. When I call back, all the numbers bounce to IC Systems. The first call was on XX/XX/2XXXX XXXX XXXX XXXX. The second call on XX/XX/XXXX XXXX XXXX XXXX, and the third call on XX/XX/XXXX, at XXXX PM. How can one trust a company that needs to spoof numbers to communicate with people? Please stop your harassment. I do not have debts. I will investigate IC Systems further to discover if this company provides services to any of my former creditors, the companys practices, and history of lawsuits for the same reason as this case. I have included all my creditors in my XXXX XXXX bankruptcy petition and none is IC System. This is a cease a desist. Stop communicating with me. I have never had any relation with IC System. STOP!!

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 2023-07-22 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: NV

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-22 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/2023 the lender has disregarded my request for cancellation of automatic payments {$220.00} and this created a financial hardship.

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 2023-07-22 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: GA

Complaint narrative:
XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the XXXX XXXXXXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the XXXX XXXX XXXX website that the court doesnt report to credit bureaus. The XXXX XXXXXXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
XX/XX/2023, at XXXXXXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the XXXX XXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the XXXX XXXX XXXX website that the court doesnt report to credit bureaus. The XXXX XXXXXXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX my identity was breached data breach fraud theft I turned it in and turned it in since XXXXXXXX XXXX XXXXXXXX my information has been sold twice last year and once this year I have hackers since XXXX every company I go with the hackers follow Me I have been fighting this by myself because no lawyers will take my case even tho the lady at Experaian and using my information going by XXXX XXXX and I got her and she hung up on .me and and another Lady from another company. Using my information too Going by XXXX XXXX used my information she worked at XXXX AND THEY LIED AND SPEAD THE LIES ON MY CREDIT report and I got threatened by there kin folks the same day she got busted and they wanted me to sign there paper and if I didn't they would do fraudulent things and lead it back to .me and they said they would use kids against me and they did everything I have been explained myself for a year and 5 months now and I still have the hackers bothering me and I got 4 accounts at XXXX AND THEY REFUSE TOO SHUT THEM DOWN THEY LIED UNDER OATH I DIDNT KNOW ANYTHING ABOUT THIS BANK UNTIL XX/XX/XXXX I TRIED TO OPEN ACCOUNT AND THATS WHEN THEY TOLD ME I DIDN'T KNOW I GOT A SETTLEMENT OR I DIDN'T KNOW ABOUT THE TAXES EITHER I DIDN'T OWN a phone back then I didn't get a phone really XXXX that I kept and I get social security XXXX and I have received it XXXX and I don't know anyone outside of the United States either my mother died in XX/XX/XXXX her name Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the only child I have been married 4 times married the XXXX XXXX twice Long.Anyway I don't know who my father is I was born and raised in XXXX TN I have only been in two States XXXX all of my life except XXXX XXXX XXXX so I don't have nobody outside of the United States I am a united state citizen and I am a victim not a criminal and I have been treated unfairly and My rights have been violated and I am stand alone this is unfair that I have been telling my story for a year and 5 months now

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 2023-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American First Finance, Inc.
State: OH

Complaint narrative:
Derogatory fraud account on my credit report. Talked to XXXX XXXX and American First finance. The finance company told XXXX XXXX information was correct but when I call none of my information matches any accounts they have. Will not help me get it straightened out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Fraudulent charges : Amounts {$1200.00}, {$5000.00}. Date XX/XX/2023. XXXX dispute opened by me with Apple Card XX/XX/2023. XXXX dispute for XXXX closed and reopened XX/XX/2023. XXXX dispute for XXXX still open until XX/XX/2023. 

My card information was stolen from me via a phone scam. The scam was human engineering by callers who spoofed the Apple Card support phone number. 

I received a call from scammers impersonating Apple Card support. Claiming there were fraudulent charges on my account, the scammer led me through a series of steps where I shared information about myself and accounts so that the charges could be reversed. This included reading previous charges, my XXXX, expiration date, but not my card number. When I answered the call, The scammers already had some access to my account which I am unaware of how they stole for example, the scammers knew my current account balance and they knew the first XXXX digits of my credit card. On the phone, I gave other information like my XXXX code under the pretense I was verifying my info with XXXX XXXX. 

The next day, I noticed XXXX fraudulent charges on my account to a merchant named XXXX in the amount of {$1200.00} and {$5000.00}. 

I reached out to XXXX XXXX. They informed me the previous days callers were not the real XXXX support, and that my personal information had been stolen from me. I opened a fraud dispute. 

Yesterday, my fraud dispute was denied by Apple Card. Apple Card claims that they got evidence from the merchant that I authorized the charge. However this is false. 

My information was stolen from me by fraudulent means and the used by another individual without my authorization. There was never any expectation that any charges should me made or any services or goods received, and indeed no goods or services were exchanged. 

XXXX XXXX claim that this is an authorized charge is not true. I believe I am protected by XXXX XXXX my information was stolen through fraud or force, there was no benefit purported or received ( the scammers claim is to reverse fraud charges ), and the user who made the charge did not have my authorization to make any charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$120.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor

Company response to consumer: Closed with non-monetary relief