vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Denied an AMAZON STORECARD by Synchrony Bank ( SB ). Reason dated XX/XX/2020 was Dear XXXX XXXX, We have received your request for a credit product with AMAZON STORECARD issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : History of dishonored payment ( s ) to Synchrony Bank Sincerely , Synchrony Bank I have two credit cards opened with SB ( Guitar Center and XXXX ). I have never missed nor had a late payment on these cards, and paid them off early. Contacting SB customer service for the AMAZON STORECARD, no one was able to explain this or give me the contact information of someone who could. I was told there was no one at SB who was responsible for the decision, that it was automated, and that I should re-apply.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been charged by bank of America on my XXXX card for several transfers of money out of my account I did not authorize on top of double charges for purchases I did make as well as purchases I did not authorize which should have been clearly obvious to bank of America if they had done any type of real investigation at all into my complaint. I have all the dates and I even have my phone conversation with them recorded. Their response was that no error had taken place at all. On my statements you can clearly see even the double charges for the exact same amount to the exact same place for the exact same time. How is it they saw no error? They obviously did nothing! Shame on you bank of America if it was your mother or sister I'm sure you would have done a better job at looking into the problem!!

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 2022-04-15 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have filed disputes with all XXXX credit reporting companies regarding the following FALSE debt : CREDIT COLLECTION SERVICES in XXXX, MA in the amount of {$180.00} for an alleged debt to XXXX XXXX and XXXX XXXX As of XX/XX/22 XXXX removed this erroneous collection report from my credit report, but the other XXXX credit agencies have not dispute multiple disputes and contacting the creditor and telling them the alleged debt was invalid. 

There is no way I ever owed XXXX {$180.00} because I canceled my auto policy in the first 7 days and was issued a refund. Further, I have not gotten my {$400.00} auto insurance rebate every citizen of the State of MI is entitled to if this debt was valid at that time. 

I want this immediately removed from the other XXXX credit agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
I do not owe money and disputed the claim already. All claims are cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Fair collection & out # 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 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 explanation
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A se
ction 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 non-monetary relief
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CATHAY BANK
State: NY

Complaint narrative:
I have been trying to open a passbook saving account but cathay bank tells me different stories customer service rep in messages section said I can branch is tell me no and a representative from they headquarters said they only open for senior citizens I find to be aged discrimination because I'm trying to save better I'm trying to handle my finances better to buy a home in my future I really don't like statement saving I would like a pass book and I know I can be given it I was not given a opportunity to change to passbook

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Fair collection & out # 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 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 2022-04-15 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Fair collection & out # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX, I recieved a total of ( XXXX ) payments into my Navy Federal Savings account for {$190.00} each. I immediately called Navy Federal and asked why the money was being put into my account. The lady on the phone assured me that everything was right, there were no notes on my account and there had been a discrepancy discovered during my ATM withdraws and this was a correction for the error. The lady told me I would be recieiving a letter in the mail explaining in more detail and not to worry about it. She also told me to call XXXX XXXX XXXX if I needed more information. I then got off the phone and called XXXX XXXX XXXX. I was again told that there were no notes on my account and everything is fine. I actually called XXXX XXXX XXXX twice between XX/XX/XXXX and XXXX. I did receive the letters in the mail from Navy Federal explaining that there had been a issue with my ATM withdraws and that the money was placed into my account for the error. I did not know what instance this was talking about but I went along with it because I had done my part by reporting the error to Navy Federal and XXXX XXXX XXXX. As of yesterday XX/XX/XXXX. I checked my bank account and my checking account was - {$980.00} and my savings account was - {$930.00}. I immediately called Navy Federal and they stated they didnt know what was going on. They also stated that a provisional credit was given to my account but couldnt explain why. They stated I had disputed ATM withdraws but when they looked at my account there were no disputes on record. ( I had never disputed any ATM withdraw. ) Navy Federal evened out my checking account to a {$0.00} balance but they are saying I still owe - {$930.00} in my savings and I still have no idea why? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX XXXX XXXX  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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account 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 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 non-monetary relief
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account 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 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: NJ

Complaint narrative:
After being in contact with CKS Financial through my cell phone and making 2 payments towards my debt, this company violated the FDCPA law and contacted me at my work number when I never gave them permission to do so. I stated on the phone that my cell was the only number to contact me on, however they called my work to try to collect a payment. I would like this investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AL

Complaint narrative:
XX/XX/XXXX I disputed several items on my Experian Credit Report that were inaccurate, erroneous and or debilitating to future credit opportunities. All of the items were returned unchanged on my credit report at the end of their investigation. I followed up with a letter requesting the method of verification and still have not received a response. I have since written another letter. XX/XX/XXXX, to have the invalid accounts removed and am waiting for a 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 explanation
Consumer complaint received 2022-04-15 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: MD

Complaint narrative:
I had been using Experian Credit monitoring for a few months for the price of {$19.00} using my XXXX XXXX. They would monitor child XXXX in the area but what does that have to do with my credit report. I had on my report my XXXX, student loans was closed and my old addresses off my credit report along with a po box address, so I decided to complaint a disrupt. And once that disrupt was submitted they took my credit score down ( XXXX ) points my score was XXXX. I had been pre-approved for a mortgage loans and yet once my score went down I had to explain to the lenders what was on my credit report as closed. When I contact Experian, she explained to me it would go back up so I was very disappointed in the services with the XXXX at the price of {$19.00}. I explain to the rep I was very disappointed and that this services is a fraud which the mistake was on my credit report and then you decided to harm my score instead of protecting my credit with correct information. So I discontinued my memebership. My score had been the same since and when I login they are asking me if you want credit monitor for {$19.00} just to see my credit increase this is fraud they should never put a consumers in a position that they need to pay just to see the updated credit score. Since I stop being a member they just keep taking my score down they hurt my credit with my SL being closed it was their mistake the other 2 credit bureau had my correct information regarding my SLoans. I requested my old address es be taken off my credit and yet nothing. I must pay {$19.00} to get anything done. I have the app on my XXXX and my credit is lock I cant even unlock or lock my credit unless I had contact them. This is fraud I have paid for this services just to hurt my Credit this company need to be investigated to the fullest. Today, my credit score is still the same and hasnt moved or anything. I would like my refund on the services they had surrounded to me for my credit monitor program sucks and I am sure I am not the only customers that has had these issues. Free credit report Experian charge you a fee. All my credit report are lock now expect Experian unless I pay for a membership of {$19.00} and I am not going to do it anymore.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: IN

Complaint narrative:
SoFi froze my account for suspected fraud. They returned a check that I had deposited from my other account and then locked my checking account. I have attempted to call their Fraud prevention team for three days and left multiple messages for a return call. A quick search of this process on their chat boards reassured me that this happens to many people and sometimes takes two weeks to resolve. That timeframe is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
I made multiple attempts through XXXX and XXXX to settle the above referenced account. My offers were repeatedly denied. I made the same offer in XXXX, after this office notified me via mail that they were suing me. The court date was XX/XX/XXXX. We settled for my original offer amount of {$450.00}. I had until XX/XX/XXXX to pay, I paid XX/XX/XXXX. At the hearing, both Stillman 's representation and the magistrate, claimed upon payment my file would be updated to reflect a {$0.00} balance, I would be provided with receipt upon payment, and such would reflect on my credit file. 

Stillman 's office took XXXX  days to provide me with receipt, and purposely told the data furnishing companies ( 3 major credit bureaus ) that my account was not settled/paid in full during the dispute/investigation process, causing me to have to re-open the dispute, and wait an additional 30 days on top of XXXX  days I had to wait for a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several hard inquiries that are in my credit that I did not authorize. I called transunion and sent letters to get it deleted and still nothing happened.

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