vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have no knowledge of this account, collection account may be related to breach of 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 non-monetary relief
Consumer complaint received 2022-10-22 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: CA

Complaint narrative:
I onderdeed a part for my car from XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX on XXXX XXXX, 2022. Their policy states that it takes up to 10 business days to receive the part refer here XXXX XXXX XXXXshipping However, it took until XXXX XXXX for my Mechanic XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX to receive it. I had to call the vendor up to 10 times to make sure they were going to send it and got numerous excuses from them. Upon working with the transmission, the mechanics had determined that the item ( sent to him directly ) turned out to be defective. He said he was going to file a dispute with XXXX XXXX XXXX. The vendor said I would have to contact them directly. 

I contacted the XXXX XXXX XXXX regarding the dispute and they gave me two options : refund or replacement. I chose the replacement option and was told that they already have the part in stock and that they will send it through their quality assurance department and will send it in 1 week. That was on XX/XX/2022. So that would take us to XX/XX/XXXX for shipping out date. They took me through the same conversation that it will be sent 3-4 days plus up to 10 business days for delivery based on company 's policy. I spoke with the person named XXXX  who actually never finished the conversation and hung up in the middle of it. It has been 26 business day since then and the vendor has not beer returning my phone calls.

Since I have not been able to get ahold of the vendor and have not had a single update, I decided to flag this transaction with my Chase Credit card. I reached out to them XX/XX/XXXX to explain the situation. The rep told me to go back to the vendor since they do have a 5 year return policy. I explained that I couldn't get ahold of the vendor but was told that the issue is completely on me and they can't help me get the money back. 

Today, I have received an electronic communication from Chase stating that my request for investigation is denied stating the purchase did not meet the return policy guidelines. Which is incorrect since the return policy is in fact 5 years AND the vendor themselves had agreed that they would issue a new part due to the defect. You can see the policy here XXXX XXXX XXXX  The Chase XXXX XXXXXXXX never asked me to submit any type of proof of what happened or any paperwork describing the vendor 's policy. They simply rejected the claim without any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: Synovus Bank
State: NV

Complaint narrative:
First Digital Card is trying to get me to pay for a card I never used. 
I told them it was fraud, I ask for them to send me statements showing the purchases I made using this card. They were unable to show me. 
I am ask for a statement they will not provide a statement. I have never received a statement at my address. I called once they sent me a bill saying I owe the entire amount of the card. It had no purchase information just an amount I owe. XXXXirst Digital performed a fraud check. The reasons they gave were because, the identity information, matches mine, DUH! it is identity theft. they have no records of return mail or statements, because I never received them! A credit card was mailed to my home, So what, I never received it! Telephone calls were made from my phone but not when? I called asking about the status of my fraud case, that is all. they said i activated the card from my number? which number... so me the records. This is not my card. i would have loved to get the card because i need the money, but i will not pay for something i never received!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I have been sent multiple notices for collection of payment that has already been paid. 

I have contacted AmerAssist Solutions Inc about a dental bill on XXXX XXXX, 2022 about looking into the matter. Additionally, I have supplied the receipt that was given to me as proof of payment of the bill. The contact then emailed me back stating they would follow up with me after contacting the company. I contacted them again XXXX XXXX to ask about the situation due to another collection notice sent to my home. On XXXX XXXX, 2022, they had replied that the account was not paid and I would need to contact the creditor company XXXX XXXX about further question, despite already showing proof of receipt. 

On the same day I contacted Amerassist Solution Inc, ( XXXX XXXX, 2022 ) I also emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was replied to the same day from the operations manager. I emailed the same receipts I did AmerAssist and XXXX XXXX stated that they would look into situation and have the situation resolved. XXXX Smiles failed to contact me about the bill following my initial emaiI. I contacted XXXX XXXX again on XXXX XXXX and XXXX XXXX asking for an update but still did not receive a reply. 

Despite trying to resolve the issue with both companies, I have instead been sent a notice about how the proposed bill will affect my credit. These XXXX companies have been grossly negligent in trying to resolve this issue as I been given no assistance in the matter as well as being ignored by both companies. 

Attached are the files that include the receipt showing proof of purchase, along with the statement from my bank account

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In 2014 I closed accounts due to unemployment and taking care of my mother who had XXXX and then passed in which I was responsible to handle her estate and probate etc. I made arrangements with a few creditors to close accounts and make lower payments. I NEVER took a settlement or paid less than what was owed. I have tried repeatedly to remove these from my report as they have been reported as charge offs and were not charge offs. I continued to pay them and paid them in full the total owed with no discounts or write offs. Currently Transunion has been doing drastic decreases and increases of my credit score on a DAILY basis. Decreases from XXXX to XXXX to XXXX and then it bounces back up by XXXX, XXXX, XXXX and then drops again drastically. I have called numerous times to find out why this is happening as it is NOT happening with the other credit bureaus. As a self employed person I often need to establish credit for working capital and acquisitions. Their drastic decreases and increases have literally caused me the inability to obtain personal and business loans needed due to their not correcting inaccurate information and more so the last few months from the drastic decreases and increases in my credit score. No one can help me. No one can answer why this is happening with Transunion, and EVERY dispute I have submitted is given the same basic answer. No one knows what they are doing. Their english is very hard to understand. They can't even tell me what department I should be speaking with to get assistance for this matter. I have hired credit repair companies and attorneys in the past several years to correct my report and Transunion always give the same generic response and nothing gets corrected. I am beyond frustrated and need this resolved. I have NO late bills, and am not even maxed on my cards. I watch my credit almost daily. There is no reason for these drastic decreases and increases.

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 2022-10-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not resolved any of the dispute sent to them

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 2022-10-22 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account Account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I was lied to, scammed, pressured and manipulated by the manager at XXXX XXXX into purchasing a new vehicle that I did not need nor wanted. I told them I was on a fixed income and could only afford payments similar to what I was already paying {$350.00} per month. The new loan is the same amount of my XXXX check which leaves me with nothing. I had returned the vehicle within 3 days and I was told by the manager by purchase was a final sale and denied all requests I made to purchase vehicle with lower payments. The car they sold me I didn't even get to pick out and has been having issues ever since. This loan is double what I was paying on previous vehicle. I have reached out on multiple attempts and have been dismissed and denied any assistance. I need HELP! It should be against the law to take advantage of a XXXX senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My accounts with Bank of America were closed in 2020 because a fraudulent check was deposited in my account. The bank marked my account as a risk. They decided to close the but they did not give me the funds back. I tried to contact them and they stated that I have to wait until they get a decision because the court decided to put a hold. It has been more than 2 years and they still have my funds. I have called Bank of America numerous times and I went to the branch and I have no received my fund yet.

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 2022-10-22 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 — Problem with personal statement of dispute
Company: VW Credit
State: FL

Complaint narrative:
Initially purchased a vehicle from the XXXX XXXX XX/XX/XXXX and on day one configured the automatic payment on this account. ALL Payments had been made automatically and no issues were ever reported on the account. XX/XX/XXXX I changed my banking institution and updated the payment information on their XXXX XXXX, received a confirmation email indicating that changes had been submitted. 31 days later I received a call from their " Collections '' department indicating I was 2 months past due and that the account needed to be brought current. A couple hours later after arriving home I logged into the portal and confirmed what had been stated on the phone call and proceeded to manually process the payment and bring the account to good standing. I reached back out to their support team and explained what had happened and how this change must not have stored on their system when the changes were processed, I provided information about the changes and advised to send a letter explaining the issue. I proceeded to send a certified letter with all the detailed information ( All attached ) and how a system glitch caused the issue, I provided screenshots of several errors received while using their portal. I have received several letters back indicating that information provided does not suffice the removal request. They have made it impossible to communicate with them over the phone since this department only communicates via Fax or Letters. Every single reply received has been generic and with no intention to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Someone stole my card information and made fraudulent purchases from XXXX on my debit card. I have absolutely no knowledge of these purchases. I submitted a dispute for the transcations, a long with proof from XXXX stating this purchases were fraudulent and Chime denied the dispute. My money is not secure with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX  XXXX XXXX  Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-10-22 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: NJ

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 XXXX XXXX XXXX. 

Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX has not resolved any of the dispute sent to them

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 2022-10-22 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: GA

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 USC1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C1681 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 non-monetary relief
Consumer complaint received 2022-10-22 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: Experian Information Solutions Inc.
State: GA

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 USC1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C1681 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 2022-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Three company 's in my email saying I have accepted offers and all I do is fill out the same information every day 100 times and none of them give a loan ... I also had. A credit card from total visa. Made all my payments not just on. Time but early. They cut off my account and say I owe XXXX ..., instead investigate anything. I can not reach anyone and I have my bank statement s where I made the payments. I can not even. Get a credit card 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 explanation