vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: LA

Complaint narrative:
XXXX XXXX XXXX I've talked to XXXX about there practices. I did not authorize them to close a account and then add a new account. I didn't want the service from the beginning, I was unaware on how XXXX did there business pertaining equipment. So I paid my bill on time even though they made my utilization high on my credit bureau profiles. Now XXXX has added the same account on my profile like its a new account, taking away from my overall credit history. The credit bureaus was no help with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
The mortgage company is refusing to endorse the final check for repairs made to the house. Payments were broken up into 5 separate checks. Checks 1, 2, and 4 were all endorsed with no issue and only the statement from the insurance company on what the check is for. Check 3 we accidently endorsed before sending it to the mortgage company and it took nearly 2 months for it to be returned to us. We have sent them everything the insurance company included with each check, a statement from the contractor stating we had paid them in full, and a paid in full final invoice from that company as well. Today I sent the statement from the insurance company on what was paid out and why, pics of the work, and a lien release. We still can't get the check endorsed to repay our savings which was used to pay off the contractor. This has been going on for 3 months.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was trying to pay rent today at The XXXX XXXX Apartments. And noticed added an extra XXXX to my balance which wasn't right. I talked to the manager and tried to dispute it and almost successfully untill i accidentally sent the payment while trying navigate their app. was told to call my bank ( Wells Fargo ) as they could do nothing to dispute it from their side Wells Fargo told me nothing can be done till the payment posted in my account which will take more than a day to do since i used checking to pay for rent. So I'm caught in a limbo where I don't want my apartment to take extra money out my account but I have to wait for it to happen in order to even get that money back.

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I started to place an order online through the XXXX  website with guidance from an agent on a chat ( transcript attached ). The agent made mistakes on the order and promised the order would be canceled. You can see this on line XXXX from the bottom of the transcript. I started to get bills from Affirm ( they would have financed the phone if the order was not canceled ). I had a second chat with XXXX  which I unfortunately did not save/print where an agent said he was expediting the issue and it would be resolved. It never was so I contacted XXXX  a third time and was told to take the issue up with Affirm. I filed an appeal with Affirm but they refused to cancel the order without documentation from XXXX. I finally filed a XXXX  complaint. XXXX XXXX from XXXX  called and sent an email with a so-called signature verification form from XXXX. It does not have a signature or an address. XXXX XXXX refused to contact XXXX  for this information. She also refused to provide a copy of an order showing what was ordered, the date, and the address. The so-called signature verification states I signed for the order, but I was in XXXX XXXX XXXX XXXX XXXX XXXX date when the phone was signed for. XXXX XXXX says I need to file a police report and take the issue up with Affirm. This has been an enormous inconvenience and is probably damaging to my credit. Visible clearly promised to cancel the order, made serious mistakes, and should bear responsibility for correcting the issue showing the order was placed, where it was delivered, and who signed for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Sent Letter to CFO of Navy Federal credit Union. I sought to pay off using the coupon. A Negotiable instrument and they refused. It but never sent the coupon back to me. Also sent a 1099A for complete payoff. Nothing heard. 
IRS RECEIPT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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:
on XX/XX/2023, i went to the XXXX gas station and used my Discover credit card to get some gas for my car I believe I left the card out on the counter of gas station or fell out from my pocket. on XX/XX/XXXX I went to my discover app to pay my monthly payment and I discovered there were lots of charges over XXXX dollars of unauthorized charges on my discover credit card. so, I went to call discover and were looking for my card and i couldn't find my card. so, I immediately contacted Discover where i found the number from internet and i spoked to customer service and i told them what exactly happened and they asked me if i have my card which i told them no, they asked me if the charges were mine and i told them no and they said they will remove charged for me and closed the account and send me a new card. I asked the customer service at that time if i need to file a police report and she told me no i don't need it. This Sunday i looked out on my statement to pay my card and realized all the charges are back on the card. I decided to file a complaint to local authorities that's what brought me here today. Please help me with this stressful situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
In ac

cordance 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. The letters are stated with items and issues. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IL

Complaint narrative:
I have told the company numerous times that are being unlawful by trying to collect on this debt yet they are on my credit report and the complaint I filed before their response was they have no record of me but they are on my credit report! I filed this dispute regarding another medical debt that is unlawful to bill for and the debt was removed for my credit, now their response is they don't have any information on me. That is correct this debt is a XXXX XXXX debt whose on XXXX and due to me being his parent is on my credit report. The credit report is as follows : AmeriCollect on behalf of XXXX XXXX XXXX XXXX : {$4300.00} Placed with agency : XXXX Acct Number : XXXX Address : XXXX XXXX XXXX XXXX, WI XXXX And tell me this is not on my credit report, and please do not close this investigation before i have a chance to rebut

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
I was a victim of identity theft in XX/XX/2023. The person stealing my identify applied for several credit cards. This was submitted to identitytheft.gov ( reference # XXXX ) and my dispute with the credit bureaus was accepted and all accounts were removed from my credit report. 

I have just been notified that an account of mine has been sent to collections. After discussion with the collection agency, it appears that in XX/XX/2023 someone applied for an apartment using my information and never paid the fees. That account is what is being reported as in collections now. I have no affiliation, and have never had any affiliation or contact with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
This agency is in violation of 15 U.S.C.

1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Per Equifax they have delete a collection on their website for XXXX XXXX XXXX but my XXXX is still showing the collection account. I am applying for a mortgage and have had to get my credit pulled multiple times due to the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/23 I purchased a US Bank {$500.00} gift card from XXXX. The magnetic stripe was unreadable at both merchants I tried. I immediately called US Bank & asked for a replacement card. I received the replacement card today XX/XX/23 but the balance is XXXX dollars. I called US Bank again today & discovered there was a fraudulent charge of {$500.00} at a XXXX in XXXX, Mississippi on XX/XX/23. I live in XXXX, Tennessee & have never been to XXXX, Mississippi. 

US Bank says it will look into the matter & respond within 90 days. This is an inadequate & much too slow response.

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 2023-08-07 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: NV

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

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 2023-08-07 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: NV

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I asked Synchrony Bank then its collection agency over 15 times for an itemized bill to settle the debt for 2 years. The attorney general has asked these companies 3 times to set the debt. The XXXX XXXX XXXX  twice for an itemized bill. All the while charge enormous penalties and interest charges. As a former XXXX XXXX XXXX XXXX, I am applaude and have never seen such blatant disregard for consumer law and predatory lending. The account is now in litigation.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Indie Technology DBA Found
State: CA

Complaint narrative:
On XX/XX/2023 my lawyer did a money transfer for a settlement that I won from an XXXX XXXX XXXX  case and they had it transferred to my found account and found froze my account because they said of initial activity even though I've had a chance for my lawyer before they still chose to freeze my account I've since then have provided my ID front and back and any other verification that they have asked for and they still have not and froze my account I need my funds as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was finally able to close my account today, but, for years, Bank of America refused to allow me to close my account ( s ). Ive been forced to pay $ XXXX  monthly maintenance fees the entire time. I was told on multiple in person visits that the account was linked to a parents account, so Id be unable to close it without their permission. I was well beyond the age of XXXX and have made independent financial decisions before then 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 monetary relief
Consumer complaint received 2023-08-07 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX and XXXXXXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States 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 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 non-monetary relief
Consumer complaint received 2023-08-07 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX and XXXXXXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: PR

Complaint narrative:
MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX XXXX ( Bank ) ON XX/XX/2023, XXXX CARD SERVICES ( Bank ) ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX CARD ON XXXX AND XX/XX/2023 AND XXXX XXXX ON XX/XX/2023.

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 2023-08-07 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: MO

Complaint narrative:
I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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