vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
In accordance with the fair trade credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that 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 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: 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 1681section 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding XXXX Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for XXXX Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d XXXX XXXX Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist XXXX Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.

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 2022-05-19 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: FL

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding XXXX XXXX  to Cease and Desist communication with my consumer credit reports, I do not give any consent for XXXX XXXX  to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d XXXX XXXX XXXX  reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist XXXX XXXX  communication. 

Failure to comply will result in many fines. Thanks, Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXXXXXX act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that 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 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS Collection at XXXX XXXX XXXX, MA XXXX has been sending me collection notices in the amount {$190.00} the collection has been reported as pasted due balance i do not know this company i have never done any business with this company this company does not have a contact with my signature

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient representative named XXXX called my work phone number today, XX/XX/2022 around XXXX. I have never provided Navient with my work number because I do not want them to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
Someone got ahold of my chime bank debit card and my XXXX XXXX debit card and made multiple unauthorized transactions. I notified both banks filed a dispute XXXX XXXX has reversed the charges on my account but chime bank has not. I dont own a firearm  and the Michigan state police can verify so which a few of these transactions was made at gun stores, clothing stores, atm withdrawals, gas stations mind you I dont own a car thats what my funds was for dmv can verify I dont own a vehicle nor have one registered to me, and XXXXXXXX stores

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: OK

Complaint narrative:
According to the Fair Credit Reporting Act, Account Name : XXXX XXXX, with Account Number : XXXX has violated my rights in multiple ways! 

I've received a letter in the mail from them saying that they have verified my information, but it is COMPLETELY wrong according to my credit report. The FCRA : 15 U.S. Code 1681s2, states that A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681b States that 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. 

I have not given XXXX  XXXX written instructions to put this on my credit report, nor do I have a contract with XXXX XXXX ( which I've requested to see and have yet to get ) This is the same company XXXX XXXX XXXX ), that the CFPB filed a federal complaint against and WON! 

It is not fair that these people keep calling, harassing me and impacting my credit in a negative way with their false information. It is also illegal according to my lawyer, as well as the FCRA. 

XXXX has deleted this and I would like for XXXX and Experian, to do the same due-diligence and delete this account.

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 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I answered an ad on XXXX for a rental property in XXXX CA. After several phones calls, texts and faxing rental agreements I was instructed to pay the XXXX dollars needed to secure the property. I was told i could only to do it by XXXX, which i had heard of, but never used. After he confirmed the payments ( XXXX transactions= XXXX {$1000.00} and XXXX {$500.00} payments, i was told to meeet his attorney at the property to receive the keys. When i arrived at the property, no one there to hand over the keys. There were XXXX other people there to receive keys promised by the same person. I contacted him immediately and was told he his attorney was running late. I confronted him about the other people waiting to do the same thing as me, and he said he would call me back immediately. That was Saturday XX/XX/22. He hasn't responded to dozens of calls and texts. I've filed reports/complaints with Bank Of America XXXX FBI ( XXXX by XXXX ) XXXX the HOA of the property, XXXX ( he has all my personal information ), Social Security XXXX XXXX, and CA Attorney General. I have since learned that BofA owns a portion of XXXX. That sounds illegal and unethical. I'm sure that there are hundreds of people that fell to the same scan as 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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I flew to the United States to open a personal checking account. I was able to do it at SunTrust Bank ( now Truist Bank ). Everything ran smooth ( all transactions ) during that year until XXXX XXXX. Suddenly in XX/XX/XXXX, out of nowhere Truist Bank blocked my account, also restricted my access to online banking without even explaining what was going on. I called several Truist customer service numbers ( XXXX ) ( XXXX ) and the hold was for hours. Calling those numbers is a real nightmare. I spent 2 months ( XXXX & XXXX ) calling and nobody was able to explain why the bank had inactivated my account. Finally after months of calling, waiting for hours, a service agent told me to call a different number ( XXXX ) Fraud related!. At least the waiting time in this new number was lesser. All the Bank told me was that my account was under investigation and that I had to wait for the investigation to end. Meanwhile I dind't receive any calls, emails explaining the process or at least providing me with a contact person. This month ( XXXX ) I was surprised when I called again, the service representative told me that the Bank closed my account and the Balance today was cero {$0.00}. When the Bank inactivated my account in XX/XX/XXXX, my last balance statement was {$14000.00}

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 2022-05-19 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: GA

Complaint narrative:
In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX 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 602 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 non-monetary relief
Consumer complaint received 2022-05-19 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: GA

Complaint narrative:
In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
I have several inquires on my credit that I did not authorize and need removed as it is detrimental to my livelihood and future. I'm currently looking to purchase a home and viewed a recent report of my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my reports I have identified these Inquiries that weren't authorized : XXXX XXXX XXXX, XXXX, XXXX OF XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX. These inquiries were done without my consent and needs to investigated. I need these Inquires removed immediately as this is affecting my chance to apply for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot 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 any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Purchased tickets ( XXXX XXXX ) on XXXX to XXXXXXXX XXXX XXXXXXXX show- for XXXX gift for kids. Order # # XXXX - paid with my Chase Card Show was scheduled for XX/XX/XXXX XX/XX/XXXX we received a notification from XXXX that entry requirement has changed and all attendees to this event must be vaccinated. 
Since we couldn't accommodate, we have requested a refund from XXXX on XX/XX/XXXX. XXXX representative XXXX XXXX replied that she understands and that our tickets are no longer valid for entry and that refund was to be issued within 30 days. 
After multiple attempts ( calls ) to get the refund processed, XXXX is yet to issue one. 
I have filed an online dispute with my credit card company to dispute the charge ( around XX/XX/XXXX ). There was no contact from Chase, asking to provide any additional details. Chase refused the dispute. 
I called Chase to ask for the reasoning and no actual reason was provided, only that the charge is valid. I told them that they should have contacted me for evidence that refund was supposed to be issued. In response I was told to re-open the dispute, by sending a letter to Chase with all the evidence. 
I sent a letter- re-opening the dispute on XX/XX/XXXX and provided the evidence if XXXX own admission that refund should had been processed within 30 day of my initial request. 
I just received a letter from Chase informing me that the dispute was closed and the charge is valid and Im responsible for the charges and all associated interest. 
XXXX is not responding to calls, Chase is ignoring the evidence and not basically finding in favor of XXXX. Im lost and need help to get this resolved. 
Please please please help to get the refund. It's bad enough that I had disappointed kids on XXXX, not getting the gift they wanted, now I'm out of over {$800.00} and no way to recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to have a Late payment that was reported to the credit bureau removed from the credit bureau reporting. The late payment was removed by the representative and I was told that it probably would not be reported to the credit bureau after explaining what had happened. 

However, I am addressing an issue with Shellpoint Mortgage from XX/XX/XXXX of XXXX. Whereas, I called, they called, in to make a payment and come off of the deferred payment status that I was under at the time. The representative informed me not to make a payment because it was coming to the end of allowable deferment and that it could potentially interfere with the repayments being placed at the end of the loan ( to be repaid at the end of the loan ). Of course, I believed this and didnt want to have to pay everything that was deferred back all at once. Then I also attempted to make an Escrow payment and was told the same thing. Upon agreeing not to make any payments I was informed that I shouldnt need to make a payment until XX/XX/XXXX, because processing would take a while to review and complete ( usually within/up to 30 days and that I should receive a letter as well ). 
Now, when I went to make my XXXX payment I was told that I needed to make 2 payments to catch up the loan. I was informed that there had been a missed payment in XXXX and that a letter was sent out to make an XXXX payment. I informed the representative that I didnt get or see a letter and that I had attempted to make a payment that would have covered XXXX but was told not to do that so it wouldnt interfere with the process of placing the deferred payments at the end of the loan. 
I asked that the phone conversation and or transcript be reviewed and they gave me a number to call to get a copy of the conversation/call pulled. Later I was told that they would not give that to me and it would be reviewed internally and a letter sent out. After that I received a letter saying that I was sent a letter out in XXXX telling me to make the XXXX payment, that my status was reviewed and approved the next day. 
I am asking that this late payment status be removed from the credit bureaus reporting status as there is conflicting information being given out. I believe that weve had 1 late payment with Shellpoint several years back prior to this and no more than 2 over the life of this 17 year loan for this property. Especially, since I clearly stated that I was trying to make a payment and was advised against it. I always call in to make my payments. I am asking that the CFPB review the call or transcripts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DK, Consulting, Inc dba Huntington Financial Services
State: MS

Complaint narrative:
My mother was contacted by XXXX XXXX with Huntington Financial Services- he told her I should contact him. I contacted him and he informed me I have a loan that needs to be repaid. I asked questions about it since its new information to me, and he threatened to seize my car and belongings, call my work, and use my paycheck to take the money that is owed. He only told me the loan was {$500.00}. When I asked what type of loan l supposedly took out- he replied if youre not going to pay the loan we will sue you. I have no knowledge of this loan and was just wanting information. I also asked to speak with his supervisor because he is unprofessional and he cursed at me then told me he is the supervisor. According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act and Truth in Lending Act, he violated my rights twice ; by threatening harm AND threatening to take my property.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation