vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
On XX/XX/2022 I went to a XXXX XXXX XXXX  in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

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 2023-04-04 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
CAPITAL ONE ACCOUNT ; XXXX DATE OPEN ; XXXX 2016 THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX, I purchased a refrigerator from American Freight located in XXXX. The total cost of that item was {$2300.00} with tax. There was a finance option available through American First Finance, which is what I signed up for. I enrolled in auto-payment, agreed to pay {$160.00} Biweekly, and paid diligently until today ( XX/XX/XXXX ). Today I decided to check on the status of the payment, and I realized I have thus far paid {$3400.00} and yet still paying for the item I bought. The new total amount of the item is {$8400.00}, and I have no idea when did that happen. I understand there may be some increase in price due to the financing option but I have paid {$1000.00} more than what I signed up for already. What is baffling is, the company wants me to pay {$6000.00} more than the actual price of the item. This is a rip-off of the consumer in broad daylight in the name of a contract. This is an exorbitant amount for nothing, with no justification at all. I do not remember signing this contract at all, if I knew about such hidden claws I would have paid the full amount during the purchase. 

I called American first finance and they offered " settlements '' in which they asked me to pay another {$1300.00}, {$1000.00}, or {$950.00} extra to close the case ( which is in addition to what is already paid i.e $ XXXX {$950.00} ). This is a rip-off of the consumer in the name of a contract, with no warning, and no written communication in between. 

I would like a refund of {$1000.00} and close the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2021 there were three fraudulent transactions made to my bank account which resulted in a total of almost XXXX dollars which I had not authorized. The same day the fraud was commited, not even 20 minutes after I arrived at a Chase bank and made them aware of the situation. One of the representatives there cancled my account on which the fraud had occured on and made me a new account. Which the next day appeared to had transferred over the fraud into my new account. When I tried again reaching out to chase no help was provided. So when I went to the police department to make a report they asked that I bring in a dispute form which Chase refuse to give me multiple times and till this day I have not recieved that form. Which did not permit me to move forward with the investigation.Also when I called Chase and their team including their executive office I was told many times that there was nothing they could do for me and refused to give me any information that could help me. The only information I was given was by Chase was that the transactions were made to a XXXX XXXX account. Which I reached out to XXXX XXXX and they told me that the information of the account could only be given to the police and inorder for me to allow the police to work on my case they needed the dispute form for the fradulent transctions. That like I mentioned before I was denied. They also just keep saying that there is no way that they can prove that it was a fraud when it clearly was and also refuse to give me a dispute form for those transactions so I can bring to the police inorder to prove its a fraud and I can sign under a judge that I have nothing to do with the fraudulent transactions nor do the two other individuals on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: CA

Complaint narrative:
PROCOLLECT INC was reported to my Credit report as of XX/XX/XXXX, the Original creditor is XXXX XXXX, they are located in Texas and apparently this was opened XX/XX/XXXX, balance due is {$65.00}. I have never lived in Texas, I have resided in california since XXXX, and at my current address for XXXX years. 

Back in XX/XX/XXXX, This same creditor tried to collect {$65.00}, it also affected my credit report, i did report this to the FTC and got this cleared and removed from XXXX and XXXX... 

Please help resolve this and wish this company stop contacting me and trying to ruin my credit. 

Thank you

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 2023-04-04 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:
" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: NY

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX  - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 2023-04-04 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: LA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on a closed account XXXX XXXX XXXX # XXXX was paid in full and show as charged off 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 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 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX  I received a letter from MRS BPO , LLC ( MRS ) dated XX/XX/XXXX, notifying me that they were a debt collector trying to collect {$63.00} that I supposedly owed to XXXX XXXX. I sent an email reply to MRS on XX/XX/XXXX, to XXXX, the email address that was listed on XXXX XXXX XXXX XXXX XXXXXXXX ( that website was listed on the MRS letter under " Contact Information '' ). Below is the text of my letter : " I am in receipt of your letter dated XX/XX/XXXX. XXXX XXXX has not been my mobile service provider for some time and I do not believe I owe it any money. Therefore, I hereby request that you provide me with a validation letter to verify the alleged debt. Such letter should include ( without limitation ) proof that the debt belongs to me, the alleged non-payment time period and the authorization to collect on the debt on behalf of XXXX XXXX. Please send all communications to me regarding this matter to this email address [ my email address ]. '' When I did not receive a reply from MRS , I mailed them by USPS a letter with a copy of my email on XX/XX/XXXX. I mailed my letter to MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, which is the address listed on the MRS letter as one of their contact alternatives. 

When I still had not received a reply to my email or letter, I contacted XXXX on XX/XX/XXXX. The customer representative told me, among other things, that she wanted to credit my account so the billing issue would be resolved, but the matter was transferred to a collection company that day, XX/XX/XXXX, so she was not able to do it. She told me that she was not allowed to give me the name of the collection company. I have screen shots of my chat to prove what was said. 

Based on that conversation with the XXXX customer representative, it appears that MRS contacted me in XX/XX/XXXXXXXX  before they had an authorization to do so. Furthermore, they never responded to my request to provide me with authorization confirmation. However, starting on XX/XX/XXXX, I received numerous texts from at least 22 different phone numbers in various area codes claiming to be from MRS BPO , LLC. Since I specifically requested MRS to contact me only via email, I did not reply to such harassment texts. 

Today, XX/XX/XXXX, I received a notification from my credit monitoring service that a negative report was filed by XXXX and it significantly reduced my credit score ( it used to be over 800 ). I believe this is at least partially a result of unscrupulous tactics by MRS and their failure to communicate with me in a legally required way. 

I have written and electronic evidence to support the statements made in this complaint. I will submit such evidence if it's deemed to be necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX my cell phone was stolen and broken into which had debit information on it as well as being linked to XXXX XXXX and XXXX XXXX. My funds were wiped out from my chime card via XXXX XXXX and XXXX XXXX and spent in different locations throughout the day of XXXX. I submitted a dispute with chime for an amount of {$1100.00} and also submitted a police report backing my story for more proof and they denied my claims stating that these transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: NV

Complaint narrative:
I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated

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 2023-04-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX  XXXX sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX  XXXX to get me a rental. I been dealing with a lot with this company. I just want the remarks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX  XXXX sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX XXXX to get me a rental. I been dealing with a lot with this company. I just want the remarks removed

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Yesterday, i deposited a US Treasury Check into my bank account for {$9900.00} at my local branch, today i am being told that the funds will not be available until XX/XX/2023. I spoke to a call center representative who gave me the availability date of XX/XX/XXXX. XXXX  which is this upcoming Saturday, his manager however disputed those dates and said XX/XX/2023. Federal rules require government checks to be made available to me within a 24-hour period. bank of America is refusing to provide a REAL reason for the check being placed on hold. my account hasn't been overdrawn within 6 months, i am not a new customer, i have made similar deposits within the last 90 days, there is no real reason for this.

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