vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
Transworld Systems , Inc. ( TSI ) is a debt collector for XXXX XXXX ( XXXX ). They claim our XXXX  owes XXXX {$110.00} for services on XX/XX/XXXX at a building we sold to others on XX/XX/XXXX. Long before XX/XX/XXXX, on several occasions, I called XXXX and told their representatives about the sale. Following receipt of a debt collection mailing from XXXX, I have written a letter in response which will be mailed today, XX/XX/XXXX. A copy of that letter and a cover letter are being sent to XXXX, also to be mailed today. In spite of my messages to XXXX that we no longer own the building, XXXX never refunded the unused portion of our XXXX 's annual payment for year XXXX. In the cover letter to XXXX, I requested a Refund of {$200.00} for the unused portion of the pre-payment for XXXX. I will be awaiting responses both from XXXX and XXXX but I request that you contact both companies and report this complaint. Thank you. Attached are several documents concerning the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My dryer went out and I purchased a new XXXX washer/dryer pair from XXXX 's XXXX paying {$1000.00} down, and financing the rest through XXXX Synchrony XXXX XXXX 60 days same as cash. I appears I was set up for failure, but I kept my eye on the ball, or rather mailbox. 
When I hadn't received my bill by mail in the third week, I called. They had switched me to electronic billing with no notice. Luckily, I figured out how to pay by direct draft in time. If you miss a payment, they can add something like 22 % to your bill and demand payment in full. I was assured by customer service that my account would be switched back to paper billing. When I accessed their website, this had not been done. I was lied to. 
I later got an email that the bill had been sent on the XXXX, and there was a list of credit agencies. These people are nasty and deceptive. If you've had a lot of complaints about XXXX financing, you XXXX want to consider a class action lawsuit. 
I financed on or about XX/XX/XXXX. My account number is : XXXX. Their number is XXXX. I just want to make sure that my credit hasn't been affected.

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 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX, XXXX, I did a foreign wire transfer from my Chase bank account to my personal XXXX  bank account ( XXXX XXXX ) of XXXX XXXXXXXX that never arrives. 
On XXXX, XXXX I contacted Chase Bank and they told me that they already sent the fund, however, my bank never received the money. 
I already did a wire transfer to the same account in XX/XX/2023 without issue so the receiving account numbers were corrects and I knew something was wrong because the first time, it took less than a week for the funds to be transferred. 
They launched a recall request - inquiry number XXXX but to this date, my money hasn't been retrieved. 
On XX/XX/XXXX, I followed up and they told me they were still working on it. 
On XX/XX/XXXX, same thing and finally on XX/XX/XXXX, they close my case, saying that their severals attempts failed and asking me to contact the benefiiciary ( but I am the beneficiary! and my XXXX  bank never received the funds ). That is unacceptable that my funds were lost by Chase and I believe it is their responsability to refund me for the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2023 my bank withdrew {$4000.00} from my account due to a chargeback scam. I have been a victim of this scam and my bank has done nothing to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEAS DELETE ALL WRONG NAMES AND ADRESS ON ALL OF THE CREDIT COMPANY AND IN CORRECT NAMES.

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 2023-04-08 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: MD

Complaint narrative:
I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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. 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, 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.

This was my complaint

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 2023-04-08 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: MD

Complaint narrative:
I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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. 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, 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. This was my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Account was paid off in full on XX/XX/XXXX. Car was picked up at the auction by owner. After speaking with the agent who was handling my account, I was informed that my title would be returned by mail to my address on file within 30-45 days. Today is XX/XX/XXXX, I have not received my title. When I contacted the company, agents refused to give me information as to when I would receive my title, when I asked for managers I got transferred to voicemail inboxes. I paid off the balance that is owed and yet I still dont have my title returned to me.

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 2023-04-08 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX # XXXX XXXX XXXXXXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish an 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 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector XXXX XXXX reported a XXXX account that was opened on my name in Michigan ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the three credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both XXXX XXXX and XXXX XXXX are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, AFNI INC is doing the same thing and the account is currently under dispute. As soon as I told AFNI that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2017, I attempted to close this account on the same day that the account was opened. I contacted the company several times stating that the salesperson did not complete his end of the contract, thus rendering the contract null and void. 

I was told ( by several representatives ) that they acknowledged and confirmed my concerns. I was also told by these representatives that this account would be removed from Experian account.

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 2023-04-08 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: NY

Complaint narrative:
The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector MRS associates reported a XXXX account that was opened on my name in XXXX  ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the XXXX credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both MRS associates and XXXX XXXX  are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, XXXX XXXX is doing the same thing and the account is currently under dispute. As soon as I told XXXX that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, an accident occurred in a XXXX  XXXX XXXX and was subsequently handled by my insurance company. The financing company for the overpriced vehicle ( CNAC Financing ) then took the insurance payment for the vehicle 's worth, refused to physically take possession of the vehicle ( total loss ), and then reported the vehicle as an open repossession on my credit report ( {$13000.00} ), preventing me from purchasing any vehicle except at great personal cost, preventing me from job opportunities, travel, etc. No offer was made to settle the remaining balance, as they never informed me of any amounts made payable to them that did affect the remainder. Upon calling, I was met with derision and told to check my paperwork. Two vehicles had been successfully purchased and paid for through this company, and when the mention of the failure of the airbag to deploy during the accident ( it was well within their XXXX mile warranty ), there was no reply, only the repossession response. I don't seek damages, I just want the erroneous report of a repossession removed from my file so that I may purchase another vehicle elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
I received a statement from XXXX XXXX for {$28.00} the statement date is XX/XX/XXXX, I paid this amount through my XXXX XXXX, on XX/XX/XXXX, in the amount of {$28.00}. I was recently contacted by Receivables Management Systems. I was unsure if I had resolved this or not but I was sure I made I payment and the balance was incorrect. I contacted RMS and disputed the amount and asked for a settlement to attempt to resolve. After further review, I located the statement from XXXX XXXX is says I owed {$28.00} from XX/XX/XXXX. I have not been back to Patient First because I'm 100 % XXXX  and have all of my healthcare provided to me by the VA. I should not owe any monies to XXXX XXXX or the company the gave the debt to for collections. I will attach both the statement dated XX/XX/XXXX from XXXX XXXX and the check that cleared from XXXX XXXX. I will also include the initial contact letter from RMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: Chime Financial Inc
State: AR

Complaint narrative:
Dispute Type : Debit - Unauthorized TransactionDate Error Reported : XXXX Amount : {$6100.00} Respected Sir/ Madam, I am writing this to bring into your concern that on XX/XX/2023 at approximately XXXX several transactions of {$2200.00} was debited from my chime account. I filed a dispute with chime and advised them that my vehicle was broken into and all my valuables was stolen out of my car my phone which has All my accounts saved in my phone wallet, wallet, id, and social security card. l beg to inform you that this transaction was not carried out by me in any physical or online form. 

I explained I went out of town XX/XX/XXXX and my car was broken into several belongings stolen out of my vehicle including my phone, wallet with social security card, birth certificate, other bank cards various other personal items that mean a lot to me, which the thieves probably burned, buried, or broke. The worst part was that they have my drivers license and my address, and I lived in fear for about a week after it was stolen. I had to wait till I made it back home to get a new phone which was XX/XX/XXXX that's when I noticed all these unauthorized transactions in my accounts. My accounts was locked due to whomever tried to reset my password or attempt to login again on top of stealing my identity which I reported to Chime. Chime credit my account provisional credit which I wasnt going to use until the dispute was over. On approximately XXXX chime emailed me stating no error occurred and they will refund the provisional credit back. 
I had not accessed my account since the XXXX  of lasting speaking to an agent about this matter! And I havent had access to a phone since XX/XX/2023 due to the natural disaster tornado that hit Arkansas everything I owned or did own was blew away On XXXX XXXX I noticed someone logged in my account once again with multiple unauthorized transactions bringing the total to roughly XXXX and notified chime right away the next following day they denied my dispute again after I have sent them my identity has been stolen. I sent in police report, Id, letter and selfie of myself as asked both times! I asked for documentation on how their decision was made and they advised me it would take 10 days to provide. I asked why 10 day and I was giving a decision today, how can a decision be made and there is no supporting documentation provided for the decision. I have been with chime for over XXXX years and never had a problem no I get denied without a explanation for why is not acceptable when I send supporting documents the transactions was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/2012 ; 1. I have paid this account. 2. This acccount is old, and should no longer appear on my credit report. 3. Thank you for your time!

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 2023-04-08 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: GA

Complaint narrative:
yes i have sent in the required documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: TN

Complaint narrative:
There was an item placed on my Equifax credit file by XXXX XXXX XXXX after we moved out of state and had no knowledge of an amount left owed. It was sold to a debt collector, XXXX XXXX of Companies, and added to my credit file. I contacted XXXX, paid the amount and notified Equifax. It took them over 2 weeks to investigate and still came back with the same result, saying they verified the account was accurate, when in fact, they had proof that it was not. The collection is still showing unpaid on my credit report.

Company response to consumer: Closed with explanation