vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

1 ) XXXX XXXX XXXX Account # XXXX. 
2 ) XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ) Account # XXXX. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My credit score decreased due to a " late payment '' on my auto loan. However, in receiving my billing statements, the statement date listed is AFTER the due date listed on the exact same statement. For example, one billing statement has the date listed as XX/XX/2022, yet the DUE DATE shown is XX/XX/2022. Being that the statement generated AFTER the " supposed '' due date, this expected payment can not be presumed to be sent by a specific date between the creditor and the debtor. The expected payment due date is NOT clear nor concise, and a past due payment should NOT be reported to XXXX, XXXX, or 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i am not liable for this debt Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Is in accordance with the fair Credit reporting act XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 a section 2 it is also a state 's consumer reporting agency can not furnish a Account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit Card account under on open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I personally went to a JPMorgan Chase Bank, The XXXX XXXX XXXX in XXXX, NY, requested a cash transfer of {$120000.00} from my Chase account to the XXXX XXXX XXXX. 

I showed the bank teller the copy of information sheet with the XXXX XXXX code of XXXX. I pointed it to the bank teller to transfer the cash of {>= $1,000,000} to this Reference code. She said : Yes, no problem. 
After she had done her job on me, she told me : XXXX XXXX, the funding will be ready in minutes. 

But it has been more than 4 months, the XXXX XXXX XXXXs insisting that my cash of {>= $1,000,000} has never received as of today on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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 XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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 2022-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: City First Mortgage Corp
State: FL

Complaint narrative:
City First Mortgage located at XXXX XXXX XXXX , Florida foreclosed on my mortgage loan taken out XX/XX/XXXX. City First is a hard money lender. We are XXXX XXXX XXXX XXXX and XXXX XXXX. The loan was for XXXX. At the time of these transactions XXXX XXXX XXXX was XXXX old. He is the principle in these business dealings. The persons who led pastor to this deal was XXXX. XXXX XXXX and XXXX XXXX who has been arrested for senior citizen crimes in XXXX XXXX Florida in cooperation with XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX. The attorney for City First is XXXX XXXX, P. A. who Violated a stipulation agreement initiated legally through the courts on XX/XX/XXXX. The agreement was that if we XXXX of XXXX would make a XXXX dollar payment XXXX dollars for 12 months, the foreclosure would be dismissed. XXXX XXXX never dismissed the foreclosure even though we made the payments, thus taking us back to court and forcing us to sell or lose our property. All this is found on # XXXX on page XXXX of the stipulation agreement. Further more XXXX XXXX 's title company held back funds that were do me at the close of the original sale of the same property. She was suppose to hold XXXX dollars until certain violations were cleared. all the said violations were cleared but she and City First with held the funds from us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021

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 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021

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 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Synovus Bank
State: CA

Complaint narrative:
I recently contacted First Progress about getting my refundable security deposit back after noticing my account was reported closed in XX/XX/XXXX. When I called them this month, I explained that I just realized I never got the refund after two years. The representative I spoke with, she stated that they did try to send the refund to an old address I had on file but it was returned. So, I immediately gave her my new mailing address, in which, she stated that if I wanted to get an expedited refund, I needed to fax them. I did as instructed and faxed from XXXX XXXX yesterday. However, when I called to let them know the fax was sent, they claimed they had not received it and that I needed to wait 48 hours and call them back to check the status. It was a guy representative who claimed this and even told me that he was sitting there looking at my refund check for {$200.00}. I called again this morning and spoke to another representative who claimed my account was just closed ( XX/XX/XXXX ) and that I would have to wait 10 weeks for my refund. This is completely abusive because, first off, they did not try to reach out to me when the check was returned a couple of years ago. It took me some years before I discovered I was owed a refund and when I have contacted them on multiple occasions, they are attempting to delay my refund another two months by reporting my account recently closed when that is not what my credit report shows. I have not been a customer with them for two years. It is unfortunate because I never gave them a problem in regards to payments. My credit report even shows no delinquencies and paid as agreed. Yet, they don't want to expedite me the money that I deposited to start the account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards InquirXXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : May 2022 700 XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email from what I believed was my escrow officer stating that I needed to send my closing costs to a Chase account. Chase is not helping to freeze this fraudulent account nor helping me at all. Please help- Im losing my the potential of getting my first home, my life savings everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i am not liable for this debt Account Name : XXXX XXXX  account XXXX Account name : XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
I have reached out to Lexis Nexis on illegally obtaining a bankruptcy without my permission under consumer law code 15 usc 1681c ( a ) ( 1 ) and it explains Information excluded from consumer reports. This law also states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 usc 1681b Permissible purposes of consumer reports. This violation states that without written permission from the consumer ( me ). Lexis Nexis is a consumer reporting agency that violates all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Last month, I set up my capital one Venture credit card payment from our existing capital one accounts. The payment was sent on time and hit the credit card account on time. Several days later, I was informed the payment was returned and I was hit with a late fee. I paid the account the same day I was told the payment was returned. After spending more than an HOUR being transferred from department to department to find out what happened, I was informed that the account was savings only and could not be used to make an internal payment. If that is the case, why would you make the option to pay with that account available? AND, Capital 1 reps tried to blame me! Any non-valid account should be grayed out for use as it is everywhere else. After this hour of time, the representative did reverse my late fee and agreed that no other changes would hit my account. Yet I have a {$70.00} interest change on my account and just spent the last 45 minutes on the phone with XXXX from Florida who refused to look at the notes from my last customer service call and refused to adhere to what I was told on my XXXX customer service call which was that I would not see any more fees on my account. His bad attitude was remarkable and I am shocked that I would be treated with such hostility. I can not fathom being blamed for your own back-end, technical mishaps that put me in this position in the first place. It is also not my job to point out the companies own short comings only to be penalized. 

Now, on my next bill, I have an interested charge even though I did pay my bill in full. I should NOT have an interest change when my bill has been paid in full. Please refund the {$70.00} and the {$12.00} in interest charges. I would also like a call back from a representative to fully explain what is going on and why my recorded line call has not been revisited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I requested a detailed verification letter for the debt that the Recovery Portfolio Associates LLC is claiming to be mine. 
The letter by mail was send to XXXX well as online verification form on their website was submitted on the XXXX of XX/XX/2022 and I still did not received the response. Today is XX/XX/2022. Under Fair Debt Collection act I'm entitled to received the notice within 10 days! 
See the letter below! 
This letter is sent in response to a letter I received. 
I'm requesting that you provide verification of the debt you mentioned. Please send the following information : The name and the address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.

Please also forward details about your authority to collect this debt, Whether you are licensed in my state and if so provide the date of the license, name of the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
After all that has been done, it's clear to me that the company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account # XXXX XXXX XXXX I have made several attempts to reach out to Experian to have this account DELETED from my credit profile. XXXX XXXX has violated my HIPPA rights and ive made Experian aware, but they continue to ignore and not resolved this issue. This is an old out of date debt from 2016 that is lingering as zombie debt on my consumer report. I need this removed. Ive NEVER authorized the sale of my personal information. I have signed a release document for the hospital to release my information to my primary care doctors, and other treating physicians, not to a random 3rd party company to try and extort me for money. Company never sent me a 1099-C for my personal tax purposes. 

Also, I live in GEORGIA and XXXX XXXX is not registered to do business in my state.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called them regarding my accounts being created on my name using my information and they have told me to report it on FTC doc and file a police report which I have done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In accordance with the fair reporting actXXXX Chrysler capitol vilolated my righs 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604a section 2 ; it also states aconsumer reporting agency can not furnish a account without my written instruction.

15 USC 1666 B : A creditor may not treat a payment on a car loan under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation