vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo closed out my case sending me a letter explaining their findings, the vehicle I financed from them was repossessed XX/XX/15 yes they sent me a check but it wasnt what I endured or went through, first I came out of pocket XXXX dollars a month for cab service because no bus went from my address to my job 5 cities away starting at XXXX in the morning, I paid at the end of the month, second they said the repossession was off my report which at the time wasnt when I tried to get another car it was still on there months after, I had to call them then they removed it causing me not to get the vehicle I wanted at that time. Yes the repossession is off now but at that time it wasnt causing me to still pay out of pocket ... they just sent me a letter when I called them.they said someone would be in touch and as of last week I've heard from no one ... I spent XXXX for a lease then XXXX, XXXX to wells fargo to finance that very same vehicle Wells Fargo sent me a XXXX dollar check without sending any information till the check was giving then I feel like I was ripped off I'm sure they sold that truck more then what they gave me ..I feel as though they just paid for no inconvenience at all...

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are derogatory items showing that are passed the statute of limitations in NY and they refuse to remove or even verify the debt beyond a stamped " debt verified ''

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are derogatory items showing that are passed the statute of limitations in NY and they refuse to remove or even verify the debt beyond a stamped " debt verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC
State: PA

Complaint narrative:
My global auto loan was behind and was caught up and my truck got repoded exactly one week later. It was an illegal repo and has been a negative mark on my credit. XXXX XXXX credit card was fully paid with my security deposit and charged off. It needs to be removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX there was a charge put on my venmo for {$52.00} at XXXX when I had a XXXX, balance there was no money on the card and venmo authorized the unlawful transfer and now is billing me for it I have put in a dispute against the Unauthorized purchase & venmo has denied my claim.. It is a prepaid card it has nothing else hooked to it no checking account no other credit cards.. 
On the receipt it shows that it was supposed to be done through my XXXX pay but I have gone to my XXXX pay receipts and nothing shows up of this purchase.. With this venmo being a prepaid card and having a XXXX balance nothing should have been charged.. I remember one time I went to pay my power bill and I was XXXX cents off and the charge was denied cause I was XXXX cents off but they're gon na authorize A {$52.00} charge when there was a XXXX balance something fishy but venmo is not willing to listen..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
Standard stuff from a prepaid card bank, I have unauthorized charges which legally under regulation e laws and guidelines Im not liable for, I immediately have my card canceled and report these transactions, for the bank to deny my dispute claim 2 hours later, not even filing with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: FL

Complaint narrative:
Email sent to Global Trust Management LLC : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( Global Trust Management LLC ) regarding a debt from XXXX XXXX XXXX  // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with XXXX XXXX XXXX Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for XXXX XXXX XXXX who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The XXXX XXXX XXXX representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that XXXX XXXX XXXX alleges is my debt, however, I want information to prove this is my debt. As I explained to both XXXX XXXX XXXX  and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Possible Financial Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number XXXX. Have 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 on my credit file without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: MO

Complaint narrative:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

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 non-monetary relief
Consumer complaint received 2023-02-21 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: MO

Complaint narrative:
XX/XX/2023 XXXX, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Account number 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 2023-02-21 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: DISCOVER BANK
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX, XXXX, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I dont have any business or whatsoever with the collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX, XXXX, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I attempted to take a loan out for home items but the loan never went through as when I went to check out the approval status changed when I tried to checkout. 

acima repeatedly calls me and says I owe them money, the product has been delivered, and they can deduct money from my wages even though I never had this order. 

They use what looks like personal cell phone numbers in an attempt to get you to respond or answer the phone ( with fictitious names attached to the numbers ). The voicemails tell you they will come to your house to collect your money or wi continue to call if you do not pay. 

They also constantly text you ( at least 5-7 times a day ) and relentlessly send emails. No postal mail is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have the chase sapphire reserve card. Or I did. I was upset yesterday on the phone and cancelled. 

Here is my complaint : On XX/XX/XXXX, I tried to take advantage of a zero percent balance transfer for 12 months that was being promoted. I was confused by a notice I got that said it would be included in my overall balance and was afraid Id have to pay it off immediately if I continued automatics payments as I had set up to pay in full. I called to inquire before doing the transfer. My impression from that phone call was that I could turn off automatic payments and pay any balance over the {$12000.00} I was planning to transfer for the 0 percent apr for 12 months. My impression was that if I did this I would avoid additional interest and fees on other purchases. Its possible I misunderstood, but this was my impression. I did the transfer and paid the 5 % transfer fee of {$600.00}. Ive noticed several fees since then so I called yesterday to inquire. Im told that when I apply payments above the minimum amount due that it automatically goes to the lowest interest in my balance. ( My balance transfer is now down to something in the {$9000.00} range ). They say that I can not specify that I want my payment to go toward other purchases first. The only way to avoid paying interest on new purchases is to pay off my transfer first. Im not the most credit savvy but a brief search online tells me the credit CARD act of 2009 should allow me to pay higher interest first. The person I spoke to yesterday tells me that, even if they reviewed my call from XXXX before I did the transfer and they confirmed I was told by their agent that I could pay any balance above {$12000.00} and not accrue more fees for interest, it was false information from their costumer service and legally Id still have to pay off my zero percent transfer before I can apply any payments to higher interest purchases and be accountable for all interest fees Ive already accrued. This feels very deceptive at a minimum. Is it legal for them to not allow me to pay my balance toward higher interest purchases first?? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I got an email notification from credit karma on XX/XX/XXXX that I have a collections report on my credit and when I checked what it was, I was surprised to see that DESIGNED RECEIVABLE SOLU ( I'm guessing this is " Solutions '' ) had this " opened XX/XX/XXXX ''. I am disputing this account on my credit report because I NEVER RECEIVED ANY SORT OF COMMUNICATION FROM THEM REGARDING MY MEDICAL DEBT- not a letter, not a phone call, not an email. I never had any derogatory report on my credit and this has completely tarnished my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
I booked a massage with someone claiming to be a massage therapist and paid them through cashapp. The day of my appointment, they didnt show up and will not respond to messages or calls so I am unable to get my money back. I reached out to customer support on XX/XX/22 and was told that they are unable to refund my money because it was already sent but if I have any other questions or concerns that I can reach out to them. The only solution they gave was to reach out to the merchant but they are avoiding any calls.

Company response to consumer: Closed with explanation