vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: CA

Complaint narrative:
The complaint is not necessarily against Discover, but rather against the XXXX and XXXX and the way that credit card disputes are handled by these two merchants and my credit card. 

I returned a multitude of barbies to XXXX after having purchased many of them approximate in early to XXXX. I changed my mind about re selling Barbies on an individual level when my order of two ( 2 ) 2020 Day of the Dead Barbies, which retailed at close to {$1500.00} and I purchased for {$31.00} was cancelled. When this happened, I realized the potential for a great return had just been squashed and I returned Barbies to both XXXX and XXXX. 

Well, to date, and just recently, after many months, some of those unrefunded barbies which were returned months ago have been credited. But now XXXX has blocked my account, contending that Discover reported " unauthorized charges, '' and Discover, as well as XXXX where other merchandise was purchased, but also unrefunded, are referring some disputes to their FRAUD department. FRAUD!? Why? Unreturned and unrefunded charges merit a FRAUD referral? 

Due to this so called, " unauthorized transactions or charges '' XXXX has blocked or frozen my account and I can not access it to 1 ) review their contentions that both Discover and XXXX credited my account for some returned items, and 2 ) I need to confirm how many more items continue being unrefunded and unaccounted for. 

I want Discover to CREDIT all of my charges for items which were ALREADY RETURNED TO XXXX and which have NOT BEEN CREDITED, and I want XXXX to UNBLOCK MY ACCOUNT. As XXXX contends that Discover advised them of " unauthorized transactions, '' which is untrue and disingenuous, SOMEONE HAS TO TELL XXXX TO UNBLOCK MY ACCOUNT! And according to XXXX they blocked it because of what Discover reported! 

Unblock my XXXX account, CREDIT all of my returned merchandise and update my new telephone number to XXXX XXXX XXXX. 

thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I submitted numerous complaints about this situation but XXXX XXXX still not giving a clear path to resolve this matter, XXXX XXXX never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, XXXX XXXX  knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received a text from the bank saying someone was trying to commit fraud. I declined it was me and they said they would be in contact. I then received a call from the 1-800 number for the bank. I was notified that someone had hacked my account and I needed to close it and move the funds. I did so because fraud occurs regularly with Truist. Once I did what they told me, I didn't get a new account or my funds in the new account they mentioned. I called them back and they said they had no record of our conversation and that I willingly depleted my account. I have proof it was the bank and that I did not willingly do that. I opened a claim and they denied me immediately without any evidence. I have submitted several pieces of evidence and no one will look in to the matter. I also have a police report I filed. I am now out XXXX. I was treated very unfairly by every person I spoke with. One even shamed me for falling for a scam. If the bank didn't call me all the time about fraud, I would not have been a victim as easily as I was.

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 2022-12-14 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:
The Fair Credit Reporting Act shows violations by the following accounts : 1. Collections Account : XXXX XXXXXXXX XXXX  # XXXX ( XXXX ) XXXX. Collections Account : XXXX XXXXXXXX XXXX  # XXXX ( XXXX ) These accounts violate the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) 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.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report these accounts. The following accounts are being reported in error. Please delete the above accounts ASAP.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
Calling every other day after being asked repeatedly not to call and ask to be on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
My Direct Joint Spousal Consolidation loans was transferred to Mohela. My payment trackers are not showing. I have applied for XXXX under the waiver and have XXXX eligible payments. A XXXX to XXXX from XXXX was issued XX/XX/XXXX effective XXXX of XXXX. Prior to this a had a direct to discharge issued in the spring, canceled XXXX XXXX and reissued XX/XX/XXXX. XXXX promised to discharge my portion of these loans prior to transfer and did not do that. Now it appears part of my data has been lost as well. I can not reach anybody by phone or chat. My portion of the loans should have already been forgiven. I would like information as to when my loans will be forgiven. 

Also, my loans are in a non-interest accruing forbearance and it looks on my account that interest has already been charged on my account since the transfer. 

Id also like information on the XXXX  waiver as that should take care of my ex-husbands portion of the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland Mortgage Company purchased my Mortgage from The XXXX XXXX. I am blocked from making my payments. I am also being denied payment arrangements for Hazzard Insurance. Because the property is vacant due to it being severely vandalized from the previous tenants, I am unable to rent it out. Due to the title being clouded by a Fraudulent Mechanics Lein, I CAN NOT sell nor refinance it. I submitted documents twice to Midland Mortgage and I was informed that the Midland Mortgage 's attorneys filed an appearance by my attorney handling a different case but I am at a dead end.

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 2022-12-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX and several other creditors is reporting inaccurately information on my Experian credit profile however Experian has refuse to remove the account. I have filed an Identity Theft Report with a police report but the following accounts is still reporting on my credit profile fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-14 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022 I received an email stating I had an online transaction of {$230.00} on my Citi XXXX XXXX from XXXX. I called them right away and disputed the charge. They sent me a form to fill out and send back, which I did, and figured it would all resolved. 
XXXX XXXX I received a bill from XXXX for {$2700.00} for the unpaid phones. I had been ignoring mail from XXXX since I thought the credit card company had handled the unauthorized transaction and it wasn't valid. 
XX/XX/2022 I received a notice from a debt collection service for {$2800.00} for the unpaid bill from XXXX XXXX 
XX/XX/2022 I called Citi about the situation and they did nothing about the disputed charge. XXXX, billing specialist, found the letter I returned to them and sent it to the company XXXX. I am waiting to hear back from them.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: IN

Complaint narrative:
I was scammed, by an individual, who also scammed, many more people! The Dept of Defense, Attorney General 's office, is investigating! 
Discover Card and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX without, my name on a signature card! XXXX XXXXXXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by Discover Card! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Today alone Comenity Bank has called me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is XXXX. They have some time to get more calls in. 

XX/XX/XXXX they called 7 times. 
XX/XX/XXXX they called 8 times. 
XX/XX/XXXX they called 4 times. 
XX/XX/XXXX they called 8 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group
State: AL

Complaint narrative:
They have 2 business names listed on the debt notice. Superlative RM and XXXX XXXX XXXX XXXX. 
I spoke with the debt collection agency in an attempt to have this cleared up. I have never recieved a bill for this prior to the debt collection notice. The debt collector would not send a paper with proof that the debt belonged to me without me sending in money. A relative then paid XXXX and we still have yet to recieve proof this debt is mine. 
The debt collector claims its from a hospital that I have only visited one time in the last year and that was a workers comp visit due to my finger being chopped off at work. I do not owe anyone money. If the debt was not paid that is an issue for the worker comp company that was given the bill. The nurse took all of the information needed for workers comp as well. The manager of the company I worked for ( XXXX ) stated that this visit was paid for by the workers comp. I know for a fact that you can not collect a debt from me on medical bills paid for by workers comp. 
I will not be sending them any money. They need to remove my name from this debt as it clearly is not mine or they would have provided proof like required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I was getting into my XXXX leased XXXX XXXX on XX/XX/XXXX shut the driver door and heard a loud noise exited my car and found the rear window completely shattered. I reported to my insurance company I have a {$500.00} deductible had an appointed on XX/XX/XXXX with XXXX  and appointment cancelled due to no back windows available back ordered? expecting snow and have trash bag on rear window. found this is a common problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On or about XX/XX/2022 I started a XXXX XXXX policy but a few days later I called to cancel that policy. I have a checking account, with an auto policy so I added the Home Owners policy but again I cancelled it around XX/XX/XXXX. I was having problems with this account because they are in Texas and had a lot of overdraft fees in XXXX. I finally had an opportunity to review my account to see what caused everything and after further review USAA decided to still bill me for a personal property which was started the same day. I called USAA so they could pull the call on XXXX occassions but this has yet to be resolved. I had over {$200.00} in fees and they were charging me {$65.00} each month since XXXX which I requested to be cancelled. That's a total of {$320.00} if they have been billing me since XX/XX/2022. I feel as if I've been take advantage of and if I call and request my policy to be cancelled then I should expect the cancellation to take place. I should not have to prove I requested to cancel or check my policy when I believe it was cancelled verbally. This is predatory in nature and I don't appreciate it being dismissed. I removed my direct deposit from USAA and my Home Owner 's policy and looking for a new carrier for my auto insurance. I was not with USAA that long but this last issue has changed my perception about USAA and feel like another agency should step in and review this matter on my behalf. I no longer trust them to handle my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on one my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and XXXX XXXX however shows " Paid '' for Experian Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and Experian, but 0 months for XXXX Inaccuracy # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and XXXX, however " Unknown '' for Experian. 

Inaccuracy # 4 : Date Last Active : 3 different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for Experian XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last XXXX for XXXX and Experian, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.

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 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} I paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, XXXX and Transunion!

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 2022-12-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} XXXX paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, Experian and 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