vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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 Monday XX/XX/XXXX, I stopped by the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX. There is a BECU ATM inside of this particular XXXX. 

I had {$300.00} cash in {$50.00} bills, so x6 {$50.00} bills. These bills have signs that state you can quickly and easily deposit a stack up to 20 bills at a time. I attempted to deposit the 6 bills into the ATM ( a fraction of the maximum amount ), and it promptly counted the {$300.00} incorrectly, ( I believe the ATM counted {$150.00} ) so I immediately panicked and cancelled the transaction and prompted it to just return what I had inserted. The ATM spit out x4 {$50.00} bills, NOT the x6 bills I had originally put into the ATM. The ATM ate {$100.00} of my cash and BECU is denying that the ATM did anything wrong. The ATM took all {$300.00} of my cash, gave me back {$200.00}, and nothing matched on the screen for the deposit! The ATM thought {$300.00} was {$150.00}, then gave me back {$200.00}? Make it make sense. The ATM is clearly having problems, and I want my money back. 
I called BECU as soon as I was able ( closed for the XXXX XXXX XXXX XX/XX/XXXX ), on XX/XX/XXXX and spoke to a rather unhelpful representative stating they would open an investigation and pending results, expect a credit to my account in 10-15 days. As a working student, {$100.00} is not a small amount of money, and it was money I definitely needed to pay bills. I heard from XXXX XXXX, Contact Center Supervisor at BECU, that agreed with me that the BECU representative I spoke with was not up to standard and they strive to do better. I accepted this apology and waited for my results. 

I called for an update on XX/XX/XXXX, it having been nearly 2 months of no update whatsoever, and the representative I spoke to claimed that BECU sent me a letter stating my request has been denied because they investigated and the ATM didn't have any discrepancies ( I have to date XX/XX/XXXX not received any letter from BECU regarding this deposit discrepancy and told the representative this. ) BECU claims to have performed an investigation stating that the ATM disbursed the cash and there's no record of it making a mistake. However, if they had actually done this, they could have counted the bills in the machine, watched the video footage of me putting the cash in and then obviously not getting the correct amount back. It should be obvious and clear I am holding 4 bills not 6 and am clearly distressed at the ATM eating my money on a holiday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this 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 2023-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
After recently reviewing my credit report I noticed that there are several fradulent hard inquiries that were not authorized by me. 

These inquiries are negatively affecting my credit score and I would like to have them removed as soon as possible. 

I have also contacted the FTC regarding this matter, and there is paperwork documentation on file for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I reached out to SYNCB/AMAZON numerous times agreeing to pay if the debt was validated.I sent out letters registered mail, which are attached for proof. I requested a copy of the contract binding SYNCB/AMAZON and XXXX XXXX XXXX Also statement showing they were the holder in due course. They haven't met any of my requests within the timeframe allotted. The debt was not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
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 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Schreiber Law LLC
State: MA

Complaint narrative:
The questions asked on previous page don't apply to this situation, but had to fill in something to move forward. 

Schreiber Law , LLC ( Debt collector ) for XXXX XXXX XXXX. filed small claims against me XXXX XXXX in XXXX XXXX XXXX, hearing date was XX/XX/2022 at XXXX Docket # XXXX. The judgment was in MY favor., so I have called many times and sent letters informing them of Judgment in MY favor but they, gave my the run around saying I had to call original creditor ( XXXX XXXX  ) although XXXXXXXX XXXX continues to update and report it on all 3 Credit Bureaus XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TN

Complaint narrative:
On XXXX XXXX, a fraudulent purchase of {$980.00} was made from XXXX through a 3rd party app called XXXX. The purchase was a laptop that was sent to an address in XXXX, Tennessee with my same name. I live in XXXX, TN over 4 hours away and have never lived or visited or do not know anyone in XXXX TN. After doing my own researching, the address sent to in XXXX, the complete address was misspelled that it was sent to from the XXXX. I have disputed this from the beginning. XXXX customer rep that I talked to knew it was a fraudulent charge but could not take it off and told me to file a dispute with Discover. I immediately cancelled that card and I got sent another card from Discover. I continued to use the new card with a different account number. I filed a dispute with Discover. The initial dispute was not filed correctly by Discover customer service and it came back against me in XX/XX/2022. I appealed that and talked to the fraud department at Discover and they were very nice and apologized and seen that it was not filed correctly. They temporarily gave me credit while it was being disputed. I noticed in XXXX that my bill had gone up drastically with no big purchase being put on it, so I contacted Discover. I wanted to talk to a manager, XXXX XXXX Ohio XXXX, and was informed that since my name, address and email was on the account, and I continued to use the card, that I was liable for the charge per the investigation that was done. I also cancelled that card and had a replacement card with a new account number. Unbelievable. If the investigation is no more thorough than this, they need new investigators. I am being fraudulently charged by Discover, as a consumer of their company who has always paid my bill on time. This is not right and needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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 accordance with the Fair Credit Reporting act USDOEXXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX OR CHILD SUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act USDOE/XXXX  account # XXXX, USDOEXXXX account # XXXX, DEPTEDXXXX account # XXXX, OR CHILD SUP account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mankin Law Group
State: FL

Complaint narrative:
RE : XXXX XXXX XXXX XXXX, FL XXXX To whom may concern I am writing to you in regards to the actions taken by Mankin Law Group against me.

Mankin Law Group intent to collect an alleged paid debt of {$570.00} and added some other illegal fees.

I believe that these companies have violated federal law and filed an illegal lien against my property. 

On XX/XX/XXXX, I sent a cease and desist letter and an affidavit of truth to Mankin Law Group, pointing out all the federal laws they violated against me, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I asked them to send the account and return it to the original holder XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX which is my XXXX XXXX XXXX. Despite this, on XX/XX/XXXX, I received a letter from them attempting to collect the debt again. Not only did they violate the cease and desist letter, but they also filed an illegal lien on my property. 

I was owing a balance to my home owner association of {$210.00} for the assessment due on XX/XX/XXXX, and a quarterly assessment of {$280.00} due on XX/XX/XXXX, plus a late fee of {$50.00}, totaling {$570.00}. On XX/XX/XXXX, West Haven HOA received the check on my behalf of {$570.00}. Not only did they cash it, but they continued to tell me that the account is with a lawyer- debt collector and they can't give me any details. 
This is a big mistake on their part, as they had no right to cash the check if they did not have the account.. This is a clear violation of federal law and a clear indication of their lack of good faith in dealing with this matter. 
I also sent a letter to XXXX XXXX XXXX asking for the contract of the XXXX XXXX, but they ignored my request. I have all the letters and certified mail signed by these companies when they received all the documents and requests I had. 
Therefore, I am issuing this letter to demand that Mankin Law Group, and XXXX XXXX XXXX XXXX take immediate action to rectify their actions against me. I demand that the lien on my property be removed immediately, and the account be returned to the original holder. I would like these companies to show good faith in this matter by expediting the securing of the alleged information listed in mankin law group site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity thef since the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached. 

Please contact me as soon as possible to discuss this matter further. 

I also contacted the Office of Attorney General XXXX XXXX XXXX of Florida. 

Sincerely, XXXX 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 2023-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells fargo has broken many laws in regards to my Vehicle Here is the main law that is broken within the contact Usc 1605 : States that Life, accident, health and life insurance is supposed to be included in the Finance charge. This is not the case and this is a MAJOR VIOLATION! 


Usc 1635 : states that a consumer has a right to rescind the contract if certain guidelines aren't met. The creditor is to legally inform a consumer of their right to rescind and they have 3 business days. If the consumer is never notified, they have 3 years. On a recorded line Wells fargo stated, they dont have to follow these U.S. Laws. I sent my paperwork for rescinding the contract and ceasing and desists, but they have repeatedly denied it. I am following up with a lawsuit against wells fargo. 
They were just fined {$3.00} XXXX for deceptive business practices. I refuse to back down from a company who is still breaking laws. 

THIS CONTRACT NEEDS TO BE TERMINATED, REMOVED OFF MY CREDIT PROFILE AND THEY OWE ME MONEY BACK! 

Please read these laws for yourself! 15 USC 1605 15 USC 1635 I HAVE A PENDING LAWSUIT AGAINST THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-07 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I had XXXX insurance on my XXXX XXXX. I sold the car last XXXX. I notified XXXX with 5 emails to cancel the policy. they did not cancel it and kept sending me notices they that I needed to pay another premium. 

The policy was cancelled in XXXX of XXXX and I have the emails which XXXX received to prove it. 

They have turn over a balance of {$64.00} which is not owned and have put a derogatory item on my credit reports. 

At your request I can send copies of emails telling them to cancel which they failed to do. 

You can see from the emails to XXXX that I attached they acknowledged they received my cancellation and said in their response " sorry to see you go '' What a joke huh??? Then they turn me over to collection!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I realized that I was being charged {$24.00} per month for Experian 's Credit Monitor service, so I cancelled the service and wrote Experian an email to ask when did I agree to this charge? And, I asked for any refund possible. As a side note, I use XXXX XXXX to monitor my credit for free. I received a refund for the latest {$24.00} charge and was somewhat happy with that. However, on XX/XX/XXXX and XXXX, I paid down my four credit cards. I paid down XXXX XXXX card by about 12 %. I paid down my XXXX card by 7.5 %, and paid down my XXXXi card by around 40 %. I paid off the {$46.00} on my XXXX card, and my student loan has also been paid off in full. So, I expected that after these payments posted that my credit score would go up. However, my Experian credit score decreased by XXXX points, from XXXX " Very Good '' to XXXX " XXXX ''. 

I feel that I am being penalized for cancelling Experian 's Credit Monitoring service. My XXXX score is XXXX and my XXXX score is XXXX, but neither of the latter two credit reporting agencies have been updated after the payments I made above.

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 2023-03-07 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: NY

Complaint narrative:
XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.

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 2023-03-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX  : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation