vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Card Services XXXX No Chase Credit Card has been authorized in my name by me. No monetary amount is due Chase by me. 

Certified mail delivered XX/XX/XXXX @ XXXX XXXX  to cease telephone calls. 

Phone calls as follows : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 also states a 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 an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: OH

Complaint narrative:
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: DISCOVER BANK
State: VA

Complaint narrative:
A fraudulent charge was made with my card. I attempted to have XXXX cancel the order, but they would not because my email didn't match the one on the order. I disputed with Discover Card. The dispute was declined because " the geographic location '' was my home location ( I wasn't home at the time of the charge, was on vacation with my family ) matched the ip address used. I don't have any emails or other information ; I assume they went to the email of the person that stole my info. I only have the charge on my account and the dispute information. 

The charge was for {$270.00} and was made on XX/XX/2022 at XXXX CST, for a jar of mayo and a tent. The mayo arrived at my house ; the tent did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
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 USC 1681 Section 602 States I have the right to privacy.

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 u payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-10 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: OH

Complaint narrative:
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. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : 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.

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 2022-12-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My vehicle was repossessed on XX/XX/2022 as at the date of repossession ; my unpaid payment amount was {$1700.00}. My monthly payment was {$1000.00}. I was shocked that Nissan Motor Acceptance Company LLC XXXX XXXX XXXX XXXX, Texas XXXX my vehicle. Secondly, when I called the customer representative, after the vehicle was XXXX, I was told that I will have to pay {$450.00} repossession fee to get the vehicle back, if I make the payment within XXXX days. If I am unable to make the payment within XXXX days and the vehicle is taken to auction, I will pay additional {$150.00}. I made the payment on XX/XX/2022, less than XXXX  days from the day the vehicle was repossessed ; the vehicle was never taken to auction. Nissan Motor Acceptance Company LLC, still, forced me to pay the addition {$150.00}. 
I am requesting that the repossession fee of {$600.00} be refunded to me, at the minimum {$150.00} be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I changed insurance companies and there was a balance with XXXXXXXX  I paid XXXX  once the error was explained regarding coverage. They turned over to collection prematurely when balance was paid already. Caine and Weiner was to delete the error but place a paid collection which cause my credit score to drop XXXX points. I never owed the collection agency I never paid the collection the original creditor was paid .the collection agency agreed to delete the error but did not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-12-10 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: CA

Complaint narrative:
Experian XXXX XXXX have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX ( XXXX XXXX XXXX ) to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, Experian has called me twice and made threats and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had things my mother helped me pay off atleast two things anyways she paid them off and they styll have it up on my credit as not paid .... ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I purchased 2 flight tickets from XXXX XXXX at XX/XX/XXXX for {$570.00} each and the ticket terms including 2 checked bags per ticket and received the confirmation The flight was operated by their business partner XXXX XXXX When I was using the ticket on XX/XX/XXXX, XXXX XXXX ignored the terms of the ticket and the confirmation I have an allowed only one free checked bag per passenger and charged me for the second one ( {$100.00} per bag ) I filed claims with XXXX, XXXX and Bank of America the card issuer to refund the {$200.00} XXXX paid extra for checked bags I already purchased with the original ticket but my complains was ignored by some with no response and denied by others and considered a separate transaction which is not fair.

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 2022-12-10 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: ProCollect, Inc.
State: FL

Complaint narrative:
15 USC 1681 Section 602 States i have the right to privacy.

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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX transferred my mortgage, without my consent, ( XXXX XXXX XXXX ) to Shellpoint Mortgage Servicing. 

XXXX XXXX consistently refused to update my insurance policy which is paid through my HOA, and instead issued their own XXXX XXXX at a predatory price ( which I didn't need anyway given I have insurance through HOA and XXXX walls insurance through a third party provider ). 

Additionally, it looks like when they transferred my mortgage to Shellpoint, they failed to transfer over my funded Escrow balance I had been paying XXXX - XXXX of XXXX. 

Shellpoint is now re-assessing my Escrow payment of XXXX to pay the deficit AND based on the outsized XXXX XXXX payment ( again which I don't need or want ). 

I've tried remedying this with both to no avail. 

Any help would be greatly appreciated. 

Best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire and through an intermediary named " XXXX '' in the total amount of XXXX USD utilizing Bank of America 's services

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 2022-12-10 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: CA

Complaint narrative:
XXXX XXXX XXXX have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX ( XXXX XXXX XXXX  ) to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues

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 2022-12-10 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: CA

Complaint narrative:
XXXX XXXX Equifax have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a Synchrony Bank Amazon Card Holder for over 7 Years. They abruptly closed my account stating Activity on account with Synchrony bank was indicative of high risk of failure to pay. I have spent Hundreds of thousands of dollars and have never made a late payment on any Synchrony account in my life. My credit score according to their on credit XXXX shows I have a XXXX XXXX XXXX. 
How can I get a human to review this decision. I would like to get my Account reinstated or at the very least get the {$4800.00} Amazon Rewards Points I had rightfully accumulated 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 2022-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has failed to provide enough information to support validation of debt requested by me the consumer. Attached is the most recent letter they sent me, PLEASE READ THE LETTER CAREFULLY AND URGENTLY 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 2022-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/2022 is the date on a letter I received from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. In this letter the XXXX XXXX XXXX tells me that the Midland Credit Management Inc had filed on XX/XX/2022 a lawsuit in XXXX XXXX XXXX XXXX ( Case No XXXX ) to collect more than {$3000.00} owed on a credit card account with XXXX which was bought by XXXX XXXX and then sent over to Midland Credit Management. I never received any notification before this time, and the debt to XXXX which was bought by XXXX XXXX was charged off. 

I contacted MCM by email and set up a payment plan to pay {$50.00} for 3 months and {$100.00} thereafter to resolve the debt because they say it is still active and in my name and personal details. During the setup of the payment plan I used a debit card which was nonsufficient in funds and was told it will be fine just be sure that money is on the card when it is time to make the payment. The debit card will not have funds in time, so I went back to edit the payment information and then was directed to phone XXXX to get the payment information updated. The person at that number told me they were unable to update the system and I should phone XXXX. The person at that number told me they were unable to update the system, that I have filed a complaint against them with CFPB and that they only way they will allow me to update the card information is to withdraw the complaint with CFPB. I said I would not and they told me that they could not service this debt that it had been with the company to long and this is the first time they had heard from me. 

The MCM acct number XXXX could not be located in their system and account # XXXX is too old to service. 

In the meanwhile, the staff became more hostile and would only tell me that they need to record the call, that the purpose of communication was to collect on a debt and any information that I tell them would be used for that purpose and that they are unable to service the debt. 

In the meanwhile, the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX have spoken to XXXX  speaking persons, XXXX or XXXX XXXXXXXX XXXX  as well as several other ladies about this debt and can not disclose any information to me because they are not certain if I am the person who actually owes the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
payment of XXXX XXXX due to finance hardship late payment for XXXX & XXXX

Company response to consumer: Closed with explanation