vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have run y credit Report 2 month ago and I found out that a collection agency had report a debt from XXXX XXXX XXXX of the amount of {$37.00} which is complete wrong when I was at the hospital 2 and 1/2 years ago I was admitted as an emergency due to a medical condition while I was there the hospital new I did not have any Insurance and I did not have any Income Which they told me the were going to qualified me for emergency medical while I was there and the bill will be taken care. 
Then one year later I did get a phone call and letters of collection which sorry I did not recall at this time the name and there were told the same thing as above. and they had corrected and they even found my letter f hardship. 
Now I found out that a complete new agency took over the XXXX XXXX collection ( it seems ) that they are collecting from people debts which I was never notified I never give them any authorization to go thru my private information and as I see in there marketing information they get the debt and try to collect from clients as a new debt I will like this collection to be taken immediately out of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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

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 2022-09-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Dear CFPB, I am writing to file a complaint about Citi after an error resulted in a duplicate charge on my credit card and zero payment to the vendor. 

On XX/XX/2022, I processed one charge on my Citi credit card in the amount of {$92.00} to a vendor for services rendered. In return, I received one receipt from the vendor via XXXX for this same amount. 

However, on my monthly credit card statement from Citi, I noticed a duplicate charge to that vendor on XX/XX/XXXX, resulting in total payment to Citi of {$180.00}. On the vendor 's side, they did not see a duplicate charge -- they only received one payment of {$92.00}. 

I filed a dispute with Citi for the duplicate charge. As a result of the dispute, Citi issued a credit of {$92.00} to my account. At the same time, though, Citi notified the vendor that the vendor had lost the dispute and reversed payment to the vendor. As a result, the vendor was paid {$0.00}, and I paid {$92.00} to Citi. 

The vendor has been unable to dispute the problem on her end, because XXXX did not have record of a duplicate payment. The duplicate payment is only visible on my Citi credit card statement. 

I am filing a complaint because Citi seems to have pocketed the {$92.00} charge that I paid.

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 2022-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On or about XX/XX/XXXX I was double charged by XXXX XXXX XXXX. Assured by the desk clerk that there was no confirmation number for the first transaction I added a night and performed a second transaction. On the following day I called the bank because both charges appeared they immediately credited me for the 1st transaction {$250.00}. Later that week they tool the money back. I filed a dispute on XX/XX/XXXX. They credited my account for the amount in dispute XX/XX/XXXX and then took it back a 3rd time on XX/XX/XXXX overdrafting the account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
Previous case # XXXX typo please re open there response invalid I provided you a pis scan of my report reflecting on my XXXX Report Plusfour admitted they are resending validation I have already tried to resolve the contact and address on report Im not valid even the address No company at that address as well invalid phone number XXXX NON WORKING NUMBER

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 2022-09-21 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 XXXX XXXX # XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.

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 2022-09-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint to remove inaccuracies from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Missing " XXXX XXXX XXXX  '' : Per the terms and conditions of the XXXX XXXX XXXX American Express Card : https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/25330-10-0 # offer-terms XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. On or before XX/XX/XXXX of each subsequent calendar year, the XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account operated by XXXX XXXX XXXX XXXX, in accordance with XXXX XXXX terms and conditions, as long as your Card Account is open as of XX/XX/XXXX of the prior calendar year. 


My issue is with the verbiage : The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. 

I opened the credit card account on XX/XX/XXXX and expected to receive XXXX XXXX XXXX XXXX within 60 days. 

On XX/XX/XXXX, I reached out to American Express Customer Service ( AMEX ) to follow up as the credits were not received. The representative assured me that the credits would become available and they would count towards XXXX. 

On XX/XX/XXXX, I reached out to AMEX to follow up on the XXXX credits and was told the credits would arrive by XX/XX/XXXX. Customer Service also stated that they would open an investigation. 

On XX/XX/XXXX, I called XXXX customer service but was told my issue was credit card related and only AMEX would be able to assist. Reached out to AMEX again and was told their investigation returned no defects. AMEX stated that they would re-open the investigation and that it would take up to 2-3 billing cycles for results. Also went over the Terms and Condition verbiage with the customer service representative to make sure my interpretation was correct that I should have received 15 night credits for XXXX. Confirmed my XXXX Account Number with the AMEX representative. 

On XX/XX/XXXX, reached out to AMEX and was told the investigation was still pending and it would take an additional 2-3 business days. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits would arrive in XXXX. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits were applied to my XXXX account but in fact it was not. Tried reaching out to XXXX customer service again but was rebuff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pay my bills and never had a problem with Chase until now. 

I am enclosing correspondence with Chase, and you can see, the credit card division has done everything to try and skirt the issue of non-authorized/fraudulent charges on my account. They refuse to make any effort to validate by concerns and claims. 

XXXX. XXXX XXXX ( I live by XXXX XXXX ) 2. XXXX XXXX, ( I have XXXX and never did any transactions with XXXX. ) XXXX. XXXX XXXX XXXX ( I live in XXXX XXXX XXXX XXXX XXXX XXXX?? XXXX XXXX is by XXXX. ) XXXX. XXXX XXXX ( I use XXXX and XXXX XXXX? ) I simply asked for verification and copies of these charges as it is obvious someone got ahold of my credit card information and fraudulently used my account. Chase would have no financial exposure as the utility companies and service providers would reverse the payments and recharge the consumer who got credit for payments they did not make. Why is this an issue? 

I disputed these charges numerous times and all I got were boiler plate responses from your fraud department. 

My attorney sent a letter to your fraud department and has not even gotten the courtesy of a response. I received another form letter ignoring and circumventing my legal representation. 

Chase called me today and said I would have to call all the companies that charged on my card. I called XXXX XXXX, they said I would have to dispute with the credit card company, I called XXXX XXXX XXXX and they said they will not do anything I have to file a police report, I called XXXX XXXX and their automated machine hung up on me twice. The other charges have no contact information and no way to ID merchants. 

I do not where else to turn, vendors want to help but they can not do anything without transaction numbers which you get on slips from the bank which Chase is refusing to get for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DE

Complaint narrative:
XXXX XXXX XXXXXXXX acct XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT # XXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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 2022-09-21 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: CA

Complaint narrative:
I noticed unauthorized inquires on my credit report from Equifax and wrote several letters to dispute the unauthorized inquires being reported by this company XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX  XX/XX/2021 Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I did a trial mod with LoanCare, and completed paperwork successfully, got approved the paper work was sent to LoanCare over a month ago, on XX/XX/2022. I have made numerous phone calls requesting my loan modification paper work with no response. LoanCare can not or will not tell me when my paper work will be sent. I call them every day to get the same reply LoanCare telling me they do not have me an answer. I am told they will escalate the file but nothing ever gets done.

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 2022-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
I was sold a lemon car. The engine cracked right before we made a year on the car. I was told there were no issues with the car and it shut down on us on the middle of the freeway in XXXX of XXXX 

When I tried to read the dealer and the dealership about the situation. The car salesman that helped us moved off island and the dealership closed down. 

We were left with XXXX in loan debt because no one would help us. That was the first car we ever bought from the dealership too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX, on my credit report has been paid in full & I've requested for a deletion.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXXXXXX - 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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
An outstanding bill is showing in my credit report that is with XXXX XXXX but has been sold to Transworld Systems. This debt is well over 7 years old, but Transworld Systems shows it as an active account open in 2020. But that is false, this account should have fallen off after 7 years because it is a very old account and I have since filed and been discharged in bankruptcy in which it should have cleared in the bankruptcy. This old account has been sold to a third party whose try to collect the debt. I have called XXXX XXXX and they have no record of an account in my name and the number I found for Transworld Systems on XXXX is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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:
XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.

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 2022-09-21 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.

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 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The electric bill was closed on XX/XX/XXXX Which brings this bill passed the statute of limitation for this to be on my Credit File, Also the amount is wrong... I've made repeated attempts to get this off my Credit file, which it was removed, ( after the7 years ) then it was Erroneously put back on my Report XX/XX/XXXX. THIS COLLECTION COMPANY tactics are above reproach, and as a United States Veteran who sacrificed for this Country I should not be treated like this by this Company.

Company response to consumer: Closed with explanation