vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I experienced unauthorized withdrawals on my ATM card on a Bank of America account. It happened twice : ( XXXX ) unauthorized withdrawal of {$980.00} on XX/XX/XXXX ; ( XXXX ) unauthorized withdrawal of {$760.00} on XX/XX/XXXX. The total unauthorized withdrawal was {$1700.00}. I noticed my bank account was locked on XX/XX/XXXX when I tried to use my ATM card. I received a new ATM card on XX/XX/XXXX and I found there were XXXX unauthorized withdrawals on XX/XX/XXXX and XX/XX/XXXX respectively. I was staying home and I did not use the ATM card in the XXXX days. I kept my ATM card and I did not release my pass code information to any other person. I filed a claim to Bank of America and I was issued a claim number : XXXX. On XX/XX/XXXX, I also filed a claim to XXXX XXXX Police Departement and I was issued a case number : XXXX. The contact phone number of XXXX is XXXX. I have provided all my identity information to Bank of America and XXXX. During the past XXXX year, I have contacted Bank of America multiple times on this subject. However, I still have not received any compensation from the Bank of America. I am perplexed by the following facts : ( 1 ) My ATM withdrawal was limited to {$900.00} on a day. How could Bank of America allow an unauthorized withdrawal of {$980.00} on XX/XX/XXXX? ( 2 ) It seems to me Bank of America noticed potential frauds after the XXXX withdrawals on XX/XX/XXXX and XX/XX/XXXX. Bank of America locked my account shortly after the XXXX withdrawals. They were certainly frauds. Why Bank of America does not compensate me on the unauthorized withdrawals after they were confirmed?

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 2022-07-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.

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 2022-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I co-signed for this car for my dad and he got sick I tried to sell it but it had to much work that needed to be done to it so I called them and told them to come pick the car up. My dad passed away and it was costing more to keep the car I tried for months to sell it. they sold the car and it had a {$1200.00} balance but on my credit report it has {$4900.00}. balance on my credit report and its wrong and it needs to come off this account has been sold to 2 collection agencies. Every call get from them the price goes up every time they sell this account. i was told the car was sold in a auction

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 2022-07-22 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: DISCOVER BANK
State: GA

Complaint narrative:
The is an inquiry on my credit from Discover Home Loans that I did not apply for or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
My Experian credit score is XXXX and my XXXX and XXXX scores are approximately XXXX. I have not been given a reason for this discrepancy, but under inquiries XXXX XXXX XXXX there are reports dated : XX/XX/21, XX/XX/21 and XXXX. I contacted Experian to file a dispute, but both claims came back resolved with no change in number or inquiries. I have also contacted XXXX XXXX XXXX, but because I do not have an active card they can not resolve this internally. I am now writing because I have been denied for several credit cards and loans this year because they are pulling from Experian. This is actively hurting my ability to build credit, and also purchase basic needs after a loss of income due to COVID. I would like Experian audited and an investigation into their reporting practices because I believe they are inflating inquiries in a deliberate attempt to harm low income individuals like myself.

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 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: MT

Complaint narrative:
CashApp offers a rewards system called " boosts '', which offers either an immediate rebate or a percentage of your purchase back in the form of XXXX. 

XXXX of the boosts that CashApp offers is 10 % off a XXXX purchase. On XX/XX/2022, at XXXX Pacific time, I activated this boost. At XXXX Pacific time, I made a purchase at XXXX for {$7.00} XXXX, or {$5.00} XXXX ( I am currently on vacation in XXXX XXXX. After a few days, on XX/XX/XXXX, I noticed that I had not gotten the promised 10 % back. I reached out to CashApp support, and after some back and forth to make sure that the boost was not refused because I was traveling internationally, I was told that they showed that I had not activated it until XXXX Pacific time, and refused to consider the screenshot I had showing it was activated earlier. I asked for the matter to be internally escalated, and a manager also refused to consider the evidence I had, insisting their system showed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A few weeks ago I requested my XXXX be cancelled. 

I was told by XXXX XXXX an appraisal is needed by my investor. 

I then requested to know who my investor was. 

To this date that information has never been provided. 

I then spent time finding out on my own who my investor is. 

I spoke to my investor about the requirement for an appraisal. The investor informed me it is not an appraisal they are asking for but a BPO. 

The investor further informed me that an exterior BPO is typically performed for PMI cancellations, I received an email from XXXX XXXX stating the investor says it can be an interior or Exterior. 

Very confusing and more road blocks. This conflicts with what the investor told me. 

I previously requested Bank of America about an overage in my escrow account, Bank of America informed me it was there policy to only look at escrows once a year and that would be next year. 

I filed a complaint saying thats illegal and only after filing the complaint did they return the overage. 

I have no confidence in the credibility of how XXXX XXXX is handling this request to cancel my PMI.

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 2022-07-22 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OPORTUN FINANCIAL CORPORATION
State: PA

Complaint narrative:
Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
Received notification through my banking app that an ATM withdrawal was made in XXXX CA on XXXX in the amount of {$480.00}. I did not make the withdrawal, I was at home in my residence in XXXX, Colorado with my bankcard in my possession at the time the withdrawal was made. I immediately contacted my bank and disputed the transaction, and submitted documentation that I was not in California on XXXX. My dispute was denied by my bank on XX/XX/22 claiming that there was documentation that the transaction was legitimate. It could not be legitimate, and, I was not advised to file a police report during the initial report on XXXX so no police report was filed until today after being told that I would need to appeal the bank 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Opened XX/XX/2019 Balance {$730.00} Company : XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-07-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A recent inquiry for comenitybank is on my report. I have no knowledge of ever applying for a line a credit from said creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2013 Reference number : XXXX 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 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 2022-07-22 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A recent inquiry for XXXX is on my report. I have no knowledge of ever applying for a line a credit from said creditor.

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 2022-07-22 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
A medical debt through a 3rd party collection ( Consumer Adjustment Company ) was placed on my credit profile without my consent from all 3 Bureau 's. I sent a dispute letter to have these negative items removed. I received responses as account verified and accurate. You have updated my credit report Without investigating my credit. XXXX I never signed a HIPAA Release Form with these unknown creditors XXXX The Privacy Act and HIPAA Laws protect personal and Medical rights information from being Distributed without knowledge and verbal or written consent. After your investigation, have these unknown creditors removed from my credit report. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-22 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: MI

Complaint narrative:
Bankruptcy on credit report is pass the statue of limitation by law its been XXXX  years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation

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