vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: MD

Complaint narrative:
I patiently waited for Equifax to uphold my rights under the Fair Credit Reporting Act however they have failed. The XXXX XXXX listed on my credit report is in violation of my rights under the Fair Credit Reporting Act which states that everything must be 100 % accurate on my credit report. I contacted XXXX ( XXXX ) on XX/XX/2022 at XXXX XXXX, asking them to verify this account and they were unable to do so because there is no record of my full name and SSN. Equifax stated my account was properly investigated on XX/XX/2022 ( see attachment with confirmation number ) but how is this possible when there is no record of me in the XXXX database. I demand to know who Equifax is verifying this information with when they are the only credit bureau reporting this inaccurate information which also shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and Equifax have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. I am continually penalized by Equifax for upholding my right under the Fair Credit Reporting Act because each time they inaccurately complete an investigation and report this inaccurate information on my credit report it pulls my credit score down by -30 points. Please hold them accountable for violating 15 U.S.C 1681!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: SC

Complaint narrative:
XXXX XXXXXXXX # 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 15 U.S.C 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 2022-09-27 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: SC

Complaint narrative:
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 15 U.S.C 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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XXXX XX/XX/2022 I requested a {$2000.00} withdrawal from my BECU account via the ATM at the XXXX XXXX XXXX location in XXXX. I spoke with a customer service rep to raise my daily withdrawal limit, which she authorised. 

The ATM issued money, but after arriving at the XXXXXXXX XXXX on XXXX XXXX in XXXX to deposit the funds for rent, I discovered the ATM had only issued {$1900.00}. It never crossed my mind to count it at the time, because in XXXX years of banking, I've never experienced an incident with an ATM. 

I immediately called the BECU customer service line & filed a claim ( # XXXX ). The man I spoke with said that it would take multiple business days to investigate, but that I could check with the XXXX XXXX location to see if there was anything they could do. I spoke with a different customer service rep when I arrived, but he was unable to assist me, other than tell me to wait for the investigation results. 

I received a letter in the mail that the investigation was completed & my claim was denied because the ATM was in balance. I called to dispute the denial, but was denied again. I'm concerned that that {$100.00} was instead issued to the next customer who used the ATM. Regardless, BECU shorted me {$100.00}, and is refusing to take responsibility for their ATM 's mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted a dispute to Experian, XXXX XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking the law.

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 2022-09-27 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: IL

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 719XXXX has me at a score around 590. 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 three 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX I closed checking and savings account at XXXX XXXX receiving 2 Cashiers checks for the balance of those accounts. Check # XXXX {$1900.00} checking & Check # XXXX {$1000.00} savings account. 
XXXX Both checks were Deposited into my chase checking account via XXXX XXXX XXXX Both check were cleared by XXXX XXXX and funds released to Chase Back same day. 
XXXX : Received email from Chase stating my accounts would be closed due to Fradulent activity.on XXXX and all banking services were suspended immediately. 
XXXX : I visited Chase Bank due to my Bank card not working - I did not know my account was frozen. I missed the mail sent to me on XXXX. Account services stated my accout was about to closed due to fraud for the Cashiers Checks previously deposited. I presented the actual Cahsiers checks to Staff at Chase ( security measures visable on checks, and call to XXXX XXXX branch verified they produced the checks. Chase Branch personnel asured the validity the cashiers checks to their fraud department. I was informed nothing could stop closure of my accounts. Chase would send me via mail my checking account balance, my savings account balance within 5 to 10 business days and the {$2900.00} amount from the 2 cashiers check. with in 3 weeks time. 
I received balance of my Chase checking account and Savings account within 10 business days. I did not receive my remaing funds. 
XXXX I visited Chase Branch XXXX : Inquiring about my missing monies and Branch contacted Fraud dept - which stated XXXXXXXX XXXX could not be reached to veify validity of funds. 
XXXX Contacted XXXXXXXX XXXX to verify funds were dispersed to Chase and they could not cancel checks. 
XXXX Back and forth with XXXX XXXX offering to assist me and Chase Bank Branch assisting me yet Chase Fraud Dept . refusing to accept any information from XXXXXXXX XXXX and Chase Branch. 
XXXX Returned to Chase Branch - informend Branch its been over 60 days that Chase has had my funds. Enough time has passed for Fraud to have completed their investigation and release my Funds. 
Chase Branch : XXXX opened a investigation in my behalf and that would demand a respose from Chase within 72 hrs XXXXXXXX XXXXXXXX received call from Fraud Dept. I demanded Stating investigation opened- and they will respond. I was told I would get a call with fax number to send documation I had. I received no number. 
XXXXXXXX XXXX XXXX Received call from Fraud Dept. Once again stating XXXXXXXX XXXX  could not be reached to verify the cashiers checks. No other remedy is available. Fraud Dept could not direct me with any other recourse. 
XXXX begain researching how to sue Chase for return of my monies. 
Chase Bank has not remedy for this. They have basically stolen my money and has no intention of returning it to me. They have never contacted me again about returning it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Harassing phone calls, unprofessional and degrading voicemails, when attempted to resolve issues with the company, I was cussed at and treated extremely poorly. The staff there are extremely rude and very un professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I stopped by this branch to request information on the Community Affordable Loan Solution program they announced in XXXX to assist XXXX XXXX  and/or XXXX  communities in pursuing the so-called " American Dream '' of becoming a homeowner. At first, I was told that the XXXX XXXX XXXX ( whose name I will not disclose ) was unavailable, but I was welcome to call and email him if needed. After leaving the premises, I started my online application. I called and left a voicemail the same day for this person, and it's been literally over two weeks, if not more, that I haven't received a callback. I should add that I've called him and his Manager on multiple occasions and still no response. My last effort to get their attention was to call the BOA general line, and the agent assisting me said that she sent an urgent email to the Manager, requesting a callback. NOTHING! My last voicemail to this Manager was expressing my disappointment and kindly asking to please drop my application. I don't feel right doing business with people that do not care. I don't want to play the XXXX XXXX, but it feels like it. Once again, the least I was expecting was an acknowledgment from them. Well, BOA, thank you for leaving me with a bad taste of what to expect from you and your people.

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 2022-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I requested a refund for my student loans from Fedloan Servicing over a month ago. I am entitled to a full refund of all payments made during COVID pandemic by law per the CARES ACT. Fedloan Servicing is saying that this will take 150 days to process and that I may STILL BE DENIED. 

I NEED this money and it is my right by law to get a refund. Thank you CFPB for standing up for the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
This company claims they purchased a debt from charter communications, which I do not have any accounts with at all, the rep over the phone refused to give me any information or validate the debt but instead chose to hang up the phone. I am asking for them to stop all collection attempts and remove any invalid information from my credit report until we verify the original debt. 

the debt was for XXXX, on XX/XX/2022 the phone rep made a threat to place it on my credit report unless I immediately paid this. with no verification. then she disconnects the call. 
I repeat I do not have an account with XXXX or XXXX communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for TransUnion, XX/XX/2022 for XXXX, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for Transunion XX/XX/2022 for XXXX XXXX/XXXXXXXX for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.

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 2022-09-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 2022-09-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for XXXX, XX/XX/2022 for Experian, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for XXXX XX/XX/2022 for Experian XXXX/XXXX/202 for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.

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 2022-09-27 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: CA

Complaint narrative:
All of these are thru XXXX XXXXXXXX XXXXXXXX  Inquiry : XXXX XXXXXXXX XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX + Credit Unions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXXnquiry : XX/XX/2022 + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + Credit Unions XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX 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 2022-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
A XX/XX/2022 letterhead from XXXX, XXXX of the President at Barclays attempts to address CFPB complaint XXXX by dodging all complaints and counts, which were legitimate and well grounded. Most important in the letter is statements about an account ownership letter being accepted as [ acceptable account owership proof ] which XXXX Bank drafted, I submitted on XX/XX/XXXX and resubmitted on the XXXX to XXXX from my email address. Today, XX/XX/2022 not even one email reply back has been received back. CFPB complaint XXXX response, indicated only a .jpg image was received for verification of the account. This is false and records printed reveal via email and in the complaint the verification letter is included in a .pdf format. Here, also, the compensatory damages request was declined. I am now seeking {$15000.00} in compensatory damages because of my claims and allegations which are fully supported and here, appear to be scurried and drifted off as baseless. This is simply not the case. It will be shown, a wide spread matter, and an alarming matter of banking neglect has caused harm.

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