vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hello : MRC Receivables CORP sent me a later stating I owe money from a old debt back in 2005. XXXX XXXX, 2005, MRC Receivables CORP. Court costs {$2900.00} Failure to comply will result in arrest. It is a violation of the Fair Debt Collection Practice Act for a debt collector to sue me or threaten to sue me if it knows the statute of limitations has passed. The statute of limitations has passed and this file has been deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: TX

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-02-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the last week of XX/XX/XXXX I opened a XXXX credit card with chase bank because they offered a promotion of XXXX dollars statement credit if I spent XXXX on the first two months. So I did use the credit card to pay for some XXXX tickets on XX/XX/XXXX they charged {$49.00} as credit card fee. I paid XXXX dollars for the tickets plus XXXX on a different transaction to complete the XXXX dollars requirement and as of today XX/XX/XXXX they havent applied the credit they promised on their ad and every time I called they said they will check and have me call back even when their agents confirm that I should get the credit. Last month I paid whatever amount I owed besides those XXXX dollars credit to avoid paying interest on it but they will keep charging interest. I feel like I was deceived by Chase Bank because I didnt need nor want their credit card and the only reason I got it was because I thought I would save some money by doing it but in the end is costing me more on interest and by the time they decide to apply the credit they promised if they do it I probably would not have saved any money anything at all and may be pay more than if I had paid with my other credit card. Not to mention that now Im stuck with a really high interest credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
we bought a R v it was financed with Bank of America, we found multiple violations in the contract with the dealership, so we choose to do a rescission of signature with the sale the was closed and charged off on XX/XX/XXXX by bank of America, Bank of America then withdrew {$30000.00} from our savings account we did not authorize, we received a letter XX/XX/XXXX stating you may not be aware but your recent payment was more then the scheduled payment, so we credited your account for the monthly installment payment ( s ) due, and applied the remaining amount to reduce your principal balance, if applicable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 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 2023-02-15 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: PA

Complaint narrative:
An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Account XXXX cell phone open XX/XX/2017 this Account was open for 1 month they said ( XXXX ) I did not open this Account, this is fraud! I told them years ago XXXX, XXXX, XXXX and Equifax I have a police report from XX/XX/2017 when I notice items on my credit report that was never report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: GA

Complaint narrative:
It happened around XXXX of XXXX I received a letter in the mail on the XXXX of XXXX about a change of address for a credit union, XXXX XXXX XXXX XXXXXXXX XXXX. I called the company to let them know that I do not have an account with them. There security department was supposed to get in touch with me about the account, but they never did. The next time I call they said they were not allowed to give out any information but wanted me to give them my information to see if it matches what they had in their records. 
Later I received in the mail paperwork from, debt collection company, TriVerity, saying they trying to collect a debt for XXXX XXXX XXXXXXXX XXXX XXXX. I have XXXX XXXX XXXX and when I call about this, they said it was probably a scam and to ignore it. I did until they call me and sent some more paperwork from TriVerity again. I recalled XXXX to tell them again and they told me to call XXXX XXXX XXXX XXXX to get records they supposed to have on me, but they refuse saying there are not allowed to give out the information. 
I am in the process now of taking steps to get them to leave me along and get this off my credit and see what else is being done in my name. 
The account on the paperwork from TriVerity is Reference XXXX, account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I received a refund on payments I made during the forbearance, and am now being charged interest by Mohela. I called on XX/XX/XXXX23 after I received the refund and saw the interest, and a request was put in to have that interest removed, because according to that rep ( and all other info I can find from Mohela and the DOE ) that should not have been charged. This seemed to be happening to others as well. I was told to wait 5-7 business days for that to take effect, and checked on XX/XX/XXXX, called today XX/XX/XXXX when I saw that interest was still on there. I was then told that the interest accruing was from the refund, but this can't be accurate : 1 ) nothing has been due from me to Mohela, I was transferred to them when XXXX stopped servicing during the forbearance 2 ) I was up to date on all payments to XXXX, with no outstanding interest or principle at any point 3 ) all payments I made during the forbearance were interest-free, so all applied to principle, and no interest should have accrued from reversing those payments. After the rep today checked with a supervisor and again confirmed incorrectly that the interest accrual was because of the refund, she rudely asked me what I wanted to do about it, and I asked if there was someone else I could speak to, because that wasn't accurate, and I wasn't trying to tell her how to do her job, I didn't know how to fix it, but it needed to be fixed, and she put me on hold without checking in for the connection as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 explanation
Consumer complaint received 2023-02-15 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: CA

Complaint narrative:
In my last statement from Citi Bank dated XX/XX/XXXX, Citi Bank states that the conditional credit of {$2400.00} applied to my account was reversed since it was DETERMINED TO BE A VALID CHARGE. It is NOT a valid charge but instead is fraud on the part of the merchant. 
On XX/XX/XXXX, I authorized a charge to my Citi Bank Credit Card ( ending in XXXX ) of {$2400.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Citi Bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citi Bank stating that they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, Citi Bank advised me that they had contacted the merchant. On XX/XX/XXXX, Citi Bank provided me with a copy of the merchants response, advised me that they had closed their investigation based on the information available, and reversed the credit previously given to me. They also said that I could continue my dispute by responding to the merchant 's documentation. I provided a detailed response to Citi Bank which is included here as a series of attachments. These attachments detail the facts that in an attempt to justify the credit card charges, the merchant fabricated documents, one of which includes a forgery of my signature and includes a hotel ( where the merchant claimed that I stayed ) that does not exist nor does the stated address for this hotel exist. The merchant has continued to lie about the true nature of the credit card charges, which the merchant claimed were for timeshare sales capital gains taxes. The attachments contain proof provided by me to Citi Bank that the merchants documents are fraudulent. 
All of the documents that I attached here have been provided to Citi Bank.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit repair specialist have sent in multiple documents to Experian, XXXX, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of Experian, XXXX and XXXX about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all 3 companies. 

Everything that I have ever filed will be attached to this complaint for proof.

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 2023-02-15 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I never received a validation letter or email for this company to collect a debt. 1. I am requesting a debt validation 2. The original contract with the wet signed signature 3. Full payment history from the original creditor 4. Name and address of the original creditor 5. Proof that the company is assigned to collect a debt. This company is not within FDCPA guidelines and if all of the above documents are not delivered, I am requesting immediate removal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 2023-02-15 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I open a credit card with Wells Fargo, the primary is my partner, Iam the secondary in the account, however I do have a POA for the primary in the account. 
In the summer of XXXX I received a balance transfer offer with XXXX interest rate for 18 months. From the beginning I notice that they were charging me interest rate on the transfer balance, I call them every month for 3 consecutive months, I stop, and I said to myself, before paying the bill I will talked with them about their rate offer violation, I was still using the card and paying off all new purchases every month. The interest I was receiving in my statement was all balance under the interest rate. Comes XX/XX/XXXX and I wanted to pay off the balance because that was the promotion offer, before paying off I went to a Wells Fargo branch and talk with a Customer Service, he said that it was a violation of the promotion and he open a claim, and I truly believe that it was going to be resolve, 10 days later, I received a XXXX envelope with a letter saying that it was not a violation of the promotion. 
The interest rate that I pay to them is in the surrounding of XXXX to XXXX dollars.

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 2023-02-15 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust is my bank, now Truist. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
Beginning in XX/XX/2021 SunTrust account was compromised and hacked. Every month for the next 14 months this fraudulent website and hacker charged my account to sometimes three times in a month without my knowledge or consent or authorization. I had no Internet access during this time frame, and was very very ill. I had no idea this was going on because they were charging small amounts every time first of the 14 months it adds up to over {$1000.00} and some 40 charges I contacted my bank they did investigation and they see that they are unauthorized and fraudulent and that it happened on their watch and their security breach. I never received any paper statements with my ledger again, was very sick and had no Internet access during this time. They just contacted me via email and said they can only refund me the first 60 days. Unacceptable my money was stolen on their watch and their security breach which I have no control over and I have no way to monitor my account as they never mailed me a paper ledger. I was very sick and did not have access to any Internet during those two years, I brought it their attention as soon as I found it two weeks ago. They can, I brought it there attention as soon as I found it two weeks ago. They can clearly see that it is fraudulent and unauthorized charges. They are only trying to pay me for 60 days, not my fault that they stole my money and now my bank is trying to keep my stolen money when its all their fault. I can not help that I was unable to access the Internet, and had no idea someone was stealing my money on their watches what I pay them to do. How can I allow someone to steal my money and then tell me I cant get it back because I didnt record it fast enough. I was on deathbed I need my money.

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 2023-02-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent several request re : unauthorized inquiries on my credit file and this company has yet to respond. More than 75 days have passed and the inquiries are still on my file and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

WELLSFARGODEALERSVCS ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX ( Auto ) XX/XX/2022 WELLSFARGODEALERSVCS XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of 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