vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TX

Complaint narrative:
Compliant ID XXXX & XXXX I have requested since XXXX of XXXX a copy of the credit agreement that obligated me to a debt the company was trying to collect. It has never received. In the company 's response dated XX/XX/XXXX and a second response dated XX/XX/XXXX, they stated that is was being mailed under separate cover. It has never been received. The company is distracting the CFPB from their wrongful actions by stating it would be provided and never providing the information. 

There is no way that two separate mailing have been mis-handled. They were never mailed. The company is blatantly distracting and insulting this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
I sent a letter via XXXX certified mail with return receipt to Sunrise requesting debt validation/verification/copy of purchase agreement from original debtor. In the letter I advised them to stop all phone/email communication and only communicate with me via mail. They have not stopped constantly texting and calling my phone. I have all records to sue. They need to stop contacting me via phone like I told them to in my validation letter that they failed to respond to.

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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My complaint is against Bank of America, as a remodeling business we did a roof for a customer on XX/XX/year>. Due to issues close to the roof but not related the customer after spending a few weeks trying to get us to pay for the unrelated issues decided they would have there credit card company visa take the entire money back paid for the roof from my acct. The amount included all the labor and material paid out. The worst part is that we were never notified that this was happening until one morning reviewing the acct I noticed that the acct was negative {$17000.00} dollars roughly. To which we soon realized what had happened. This took place back in early XXXX and till this day there has been no clarity as to where I stand with the acct other then the bank closing the acct, we dont know if the customer actually got the money back or not and or if I am going to be expected to do what! The money was frozen without consent or prior authorization. It was simply just done. As a result my wife has a savings acct that at the time my name was on as well that the bank proceeded to freeze as well. Since then my name was removed from the acct but as on now my wife has not been able to access the funds. Can someone please help us, its been a few months that weve called Bank of America in regards to the issues to no avail. The calls consist of our call getting transferred from one department to another and anyone giving us a straight answer or who in reality can help us resolve the matter. Thank 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I received a letter on XX/XX/XXXX from TransUnion about a fraudulent credit application. I had recently frozen XXXX, so I froze XXXX online today ( XX/XX/XXXX too ) easily and in under XXXX minutes ( for both ). But when I went to freeze TransUnion it had an error code and said they couldnt freeze it and to call. I googled and saw that this has been occurring ( with only TransUnion ) for YEARS. They were already charged by you all and XXXX XXXX ran an article on it in XX/XX/XXXX. And guess what? When I called they said the same thing ; the system is down. However, they cant put it in their system to add the freeze when it is back up. Nope. You have to call back and GUESS when their system may be up again : that is the only way to get it fixed. Doesnt that make them fraudulent? They dont do what they said they do? They send me a letter telling me to place a freeze but they cant do the freeze. I am curious, what happens if fraud now occurs? Wouldnt this be their own fault? Just a complete waste of time. Why not close TransUnion if they cant do what they are supposed to? XXXX and XXXX seem to be able to do it just fine.

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 2024-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc.
State: TX

Complaint narrative:
Ivy Funding Six LLC dba as XXXX, XXXX XXXX loan stores/line and in person in Texas, also Ivy funding XXXX XXXX between XXXX XXXX  and signature loans is charging huge I terest. Also. XXXX, TEXAS XXXX repossession cars in XXXX very aggressively, selling them on XXXXXXXX XXXX  auctions often to XXXX XXXX  Buyers whom cross XXXX XXXX to buy Cars. XXXX XXXX XXXX, Texas stores have ask consumers to help them obtain illegal State Texas Inspection stickers and XXXX employees often buy cars after re pod from consumers. XXXX own buy Ivy Funding or Ivy Financial XXXX XXXX XXXXXXXX funding XXXX XXXX XXXX XXXX  XXXX Offices in Georgia and Agent in Ohio

Company response to consumer: Untimely response
Consumer complaint received 2024-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX I recieved a XXXX dollar Visa prepaid card from a work training event, and using this card I attempted to order a new purse online ( from XXXX ) and it didn't work. From a little research I learned I needed to connect my name and address to the card at the prepaidgiftbalance.com shop in order to shop online with it. I did this and the card still didn't work, telling me that my 'card issuer rejected the transaction '. I activated my card, added the information they asked for, and I'm still unable to use it. Online somebody said it's possible the card issuer could have limited my card due to suspicious behavior but I don't understand how that could be done without me knowing.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. Florida Police Report XXXX XXXX XXXX. I hope all is well with you and your family! When we met, you were kind, considerate, patient and genuinely tried to help me with my Identity breach issue. I have great news for you. XXXX has exonerated me from the fraudulent information appearing on my account at EXPERIAN. I swore to you and dozens of many websites that I was always telling the truth about the falsification of my XXXX  records. Please see the attachment from XXXX that frees me from my XXXX for the time being. In my opinion, you did a stellar job, and words can't explain the XXXX and appreciation that I feel. I believe that the case is closed and do not want you to " burn anymore cycles. '' Experian has been unlawful by not honoring their commitment to remove the fallacious and irreputable damaging data when you view " XXXX XXXX Results '' at their paid premium service. My case number at XXXX is XXXX which indicates that my stolen personal data was not mine just as I told Experian over XXXX times! You may call XXXX at XXXX. 

Thank you, 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX my granddaughter XXXX XXXX XXXX and i applied for a loan to pay for her medical expenses. I received a loan for {$390.00}. I didn't know the loan provider was a fraud and I withdrew {$380.00} to help my grandbaby. Because I was taken advantage of ... USAA has docked my account twice for {$390.00}, froze my ssdi deposit and froze my federal income tax return which is scheduled to hit the account on XX/XX/year>. I am a XXXXXXXX XXXX XXXXXXXX veteran with no other income. My utilities are off and I have no food and no gas to go to my doctors appointments. I need my money. I need help. The fraudster deposited a forged check into my account and USAA confirmed it was fraud scam. Im about to lose everything I worked for because they are violating my federally protected money by freezing it and only allowing my account to be a " credit only '' account. Please help me. Please help my family. I need to go to the doctor desperately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The response that Citibank provided to CFPB complaint # XXXX does not address the issue. They provided a boilerplate response that ignores that fact that overheating, swelling and XXXX XXXX are caused by a manufacturer 's defect that would have been covered by the manufacturer 's warranty if it were still in force. Overheating, swelling and explosion of XXXX  are not " normal wear and tear. '' Since these defects would be covered by the manufacturer 's warranty, they should be covered by the Citi Visa extended warranty. 

See the documents provided with complaint XXXX for further information.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
Juno, as XXXX supported by XXXX with funds under the care of XXXXXXXX XXXX and XXXX XXXX XXXXXXXX, TN has made it impossible to use debit cards or ACH to withdraw funds from my checking account, of which I have several XXXX dollars in. This is completely unacceptable and I want access to my funds immediately without any further delay. 

Juno tells customers that this is the issue of a dispute between XXXX  and XXXXXXXX XXXX and to contact the Federal Reserve of XXXX XXXX or the CFPB for assistance in accessing my funds.

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 2024-05-19 00:00:00
Product: Credit reporting 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: IN

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

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've requested the removal of my previous addresses from all three Credit bureaus. My Experian Credit report shows an old address that's linked to a tattooing company. This is incorrect!

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 2024-05-19 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Ive looked at my credit report on XX/XX/year>, and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer porting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
Please see outlined issue ( s ) below : Improper Handling of Reported Fraud Claim Misapplied Payment ( Date ( s ) Inaccurate ) On XX/XX/year>, I made an outbound call to Fortiva at XXXX. I advised rep of Stolen Card and Identity. I also advised that the suspect had been apprehended. The rep escalated the call to the Fraud Division, who was not very helpful. I subsequently called back on XX/XX/year>, to report the same issue. Again, no representative was willing to remedy the situation. I finally contacted on XX/XX/year>, where the Fraud Supervisor reversed the late payment and returned check fees, and also logged the fraudulent charges It was then that I emailed the supporting documents : Police report Arrest Report Property Recovery Report I was assured that the matter would be handled. I made a {$120.00} payment on XX/XX/year>, via the web portal. I received confirmation via email stating that my payment would not process until XXXX XXXX. This was not my request and was incorrect. As I did not receive said email until XXXXXXXX XXXX. PST, I was not able to call Customer Service to rectify ( they were closed ). I called Customer Service on XX/XX/year>, to ensure I would not be adversely affected by the system issue ( IVR states my account is past due when it is indeed current ), and was met with hostility, lies, and slander. The reps state that I did not submit fraud claim until XXXX XXXX whereas I have documented email and call log proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief