vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
On XX/XX/2023 I applied for a payday loan and received the funding in the amount of {$770.00} on my debit card. It was agreed by an agent that my payments would be XXXX XXXX monthly and the first payment will begin on XX/XX/XXXX. XXXX. A few days later I received a phone call about how I was treated by the agent and when will my payments start. The old agent was gone and replaced with another agent. Everytime I came into the store location she would run and disappear. My first payment start and {$55.00} was taken out of my account. On XX/XX/2023, I discovered that more money was removed from my account than agreed. I contacted the corporate office and was told he will give me a call back. Then I was told to contact the branch. On XX/XX/2023 I spoke with the first agent and she could not answer my questions. The payments are not going down but continuously adding up. She did not have the same information in her database that I was reading to her. I learned that I am being charged XXXX dollars and XXXX XXXX cents a day in interest fees plus my payment of XXXX  ( principal ) dollars goes to the interest again. However, only {$18.00} dollars is being applied to my payments, which is the smaller amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I spoke with the supervisor named XXXX at Goldman Sachs Bank ( GS ). My XXXX statement balance was paid in full ( excluding interest free installment balances ). XXXX trans totaled {$5000.00} and install pmts were XXXX. That totals {$5100.00}. The statement balance was for XXXX. This is an extra {$270.00}. 

Prev Mo ball XXXX Payments total for period XXXX New Trans total XXXX Installment payments XXXX My calculate balance due from above XXXX Statement Balance XXXX Difference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEM opened a collection account on my name for {$15000.00}, I am not liable for this debt with charter communications, I do not have a contract with JEFFERSON CAPITAL SYSTEM, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was asked to send a bunch of documents to Capital One for fraud protection. This went on for almost two months with them asking for more and more documents each time I sent some. I painstakingly sent all they asked and they closed my account without an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX stating they were decreasing my credit limit from {$10000.00} to & XXXX due to credit bureau Experian reporting. I had missed some payments but had not made active purchases since I knew I was struggling to make the payments every month. All payments I did make, however, were on time and for more than the required amount due. Once I received the letter on XX/XX/XXXX, I made a very serious attempt to get my account up to date, making good progress towards the balance and getting my credit score up to buy my first house. XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00} and XX/XX/XXXX I made a payment of {$2000.00}. Upon checking my credit score today as I am working with the bank on a mortgage loan, I find out only through the credit reporting agency that XXXX had again decreased my credit limit, this time from {$9400.00} to {$5300.00} taking my credit score way down. Now I will be over my credit limit. I spoke to Journey at XXXX XX/XX/XXXX and she could not help, they get notified from the credit agency, plug in the info, without taking anything into consideration, for example that I paid {$4000.00} in the month of XXXX trying to get this down, then asked and spoke to her supervisor XXXX who also said there was nothing she could do about it as she is not part of the " decrease '' department, whatever that means? This really hurt me in my attempt to purchase a home for my family and I can find any help to reverse what XXXX has done to my credit.

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 2023-07-28 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: TX

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted on multiple occasions to have this inaccurate information removed from my credit report from XXXX in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted on multiple occasions to have this inaccurate information removed from my credit report from Experian in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.

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 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I called First Credit Services, the Collection Agency for XXXX XXXX-they could not find the account because it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2023 my check posted in my account and I went to log in and I couldnt access the account I was told I had to call and when I did I was told my account was close! I didnt get an email or a letter in the mail or anything it was just close. I asked why was my account closed and was told it was close due to abuse of the account. So I signed up for fraud protection as well as over draft protection and every other day I had money taken from my account or a over daft. I had things I had to keep fighting with them about like the service fees when I wasnt suppose to get charged as well and when something came out and I requested a block on the company they would allow it to keep going through and made me open a new case each time even tho it was for the same company! So I was just told it was closed down due to this I only called about 6 different things in two years. My money is still with the bank I keep calling trying to get my money from my check and everyone keeps telling me they cant help me this is stealing! And I want answers and my money this has never happened to me and should never happen to anyone else please stay away from Citi bank you will be sorry if you dont

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 2023-07-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX took over XXXX XXXX dollars out of my daughter and I account without authorization. We received no letters about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION IS NOT DELETING THIS COLLECTION WERE I REQUESTED TO TAKE IT OUT FROM MY CREDIT REPORT I HAVE ATTACH THE FILE.

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 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America unlawfullly resold my home at XXXX XXXX XXXX, XXXX NJ XXXX As said before they violated my 5th and! 4th Amendments. They also violated my rights under 43.101 ( 1 ) Thru ( 5 ). They have been involved in many class action lawsuits. The last one in Boston where the Federal Judge had to dismiss the lawsuit due to to many different violations committed by Bank of America

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 2023-07-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
I was contacted through text from XXXX. They mentioned they would be willing to take XXXX  % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received several communications from XXXX XXXX XXXX in XXXX. On XX/XX/XXXX at XXXX, I called the company regarding I letter received from this company post bankruptcy. I was transferred to the case manager who hung up on me XXXX and informed his staff to stop taking my calls when I tried to call back ti provide company with Bankruptcy case number to notate for there records and pass along to the correct attorney to update. I previously spoke to the case manager XXXX, who claims ti be the Director of the company on XX/XX/XXXX and informed him of the filing and ti stop all communications. 
XXXX at XXXX XXXX XXXX was very rude, unprofessional, and continues to harass me with letters and calls post bankruptcy. 
I will also be bring this matter to the court 's attention. The court has as much an interest in creditors following the law by not contacting folks in bankruptcy as I do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-28 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:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

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 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery is a debt collector trying to collect some kind of debt. All three of my credit reports show XXXX collection activity. I have never had collections and I have excellent top tier credit scores. I do not know why someone is bothering me like this. I want it to stop asap please. Every morning this company calls disguising there numbers every time with a different phone number. I have a right to not be harrassed. I want proof something I signed with my social security number showing I owe something! That is fair and legitimate

Company response to consumer: Closed with non-monetary relief