vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from CMRE Finance for an amount of {$1300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America places holds on checks even though weve deposited the same checks for more than two years of the same amount written by the same person. Now during the pandemic BofA decides to place nine-day holds on funds when then never did in the past. This is the second time they did this. This is the same company that received {>= $1,000,000} from the federal government during the last financial crisis. Its unconscionable to hold funds like this during a pandemic, and this is the second time theyve done this. Their answer is that theyre protecting us or the reasons they held the money are proprietary. Thats not acceptable. 

They also took excessive amounts of time to release Treasury funds for Covid relief and offered a {$200.00} credit and delayed the {$3600.00} deposited by the Treasury Department. Theyre not playing fair during a pandemic. They have now collected excessive overdraft fees for funds that they held.

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 2021-04-24 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: TX

Complaint narrative:
THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.

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 2021-04-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently had to pull my credit report because I was going to apply for new employment and found violations on my account which will hinder me from getting new employment. I understand pursuant to 15 US Code 1681a2B that and I quote any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) which states a credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card.

I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. 
I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new job. I have sent notarized letters to this consumer reporting agency and I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been disputing and sending evidence on this inaccurate bankruptcy for months on my credit under Experian. I have evidence its unverified and inaccurate. I attached all the evidence. If I cant resolve this issue In 30 days Ill be contacting my attorney.

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 2021-04-24 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a wells Fargo jewelry card and tried to contact them to get into a hardship program and could not get a representative on the phone or sign up online. This caused me to be 30 days late, I would like to have this removed due to that and the cares act.

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 2021-04-24 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: SinglePoint GI
State: VA

Complaint narrative:
XXXX XXXX University made an error. I brought the error to their attention, and XXXX XXXX University fixed the error. However, XXXX XXXX did turn the account over to General Revenue Corporation. 

It is my understanding that XXXX XXXX University has been trying to reach out to General Revenue Corporation, but no success. 

General Revenue Corporation keeps contacting me for payment. My student loan paid this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CAPITAL ONE BANK IS SENDING ME MONTHLY STATEMENT WITH MULTIPLE CONSUMER VIOLATIONS. 

ALSO, THEY ARE TRYING TO COLLECT A DEBT NOT OWE BECAUSE I MADE A CONSUMER CREDIT TRANSACTION. 

CAPITAL ONE BANK IS IN VIOLATION OF : FDCPA VIOLATION OF 15 U.S.C 1692b. ( 2 ) FDCPA VIOLATION OF 15 U.S.C 1692b. ( 5 ) FDCPA VIOLATION OF 15 U.S.C 1692f. ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently had to pull my credit report because I was going to apply for new employment and found violations on my account which will hinder me from getting new employment. I understand pursuant to 15 US Code 1681a2B that and I quote any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) which states a credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card.

I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new job. I have sent notarized letters to this consumer reporting agency and I have not received a response yet.

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 2021-04-24 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: NV

Complaint narrative:
This has been going on for almost a year now and I need help ASAP! I filed a fraud claim in XX/XX/2020 for 26 charges made to XXXX XXXX AND MADE IN XXXX XXXX! I have been calling and have followed all of their instructions and to this day, I have not received credit for the 26 fraud charges in the total amount of {$2500.00}. I called in XX/XX/2020 to follow up on yet another fraud claim I filed and the agents I spoke to kept saying something about ACH transactions and that they were having issues with filing the claim. I was told days after days of calling and being hung up on a few occasions their system were down and I needed to keep calling. Thats not my problem! I finally spoke to another agent who told me he had to send an email to his manager ( XX/XX/2020 ) and that the manager would submit the ACH claim. This was in XX/XX/2020! Check the records! I called a few weeks ago and was told that its in the system but that they were working on it. I havent received a call or letter and honestly I am tired of it! I filed a fraud claim back when the charges posted ( end of XX/XX/2020 ) and I was told that the claim never happened. This was a lie and this is why. I filed a fraud claim for the 26 charges to XXXX XXXX for {$2500.00} and 1 charge to XXXX for {$2000.00}. They investigated the XXXX charge and I received the credit but they did nothing for the 26 charges to XXXX XXXX. 

Please please CFPB I desperately need your help. Please have BOFA credit my account for the fraud charges! Next steps will be to get a lawyer! 

Fraud acct : XXXX XXXX XXXX XXXX Newest acct : XXXX XXXX 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 2021-04-24 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I usually check my XXXX XXXX to look at my credit. So two days ago XXXX XXXX I seen my score go from XXXX to XXXX and three unknown hard inquiries that Im reporting right now. But I have no knowledge of any of these inquirers.

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
4 weeks ago I had {$560.00} taking from my account overnight when I made no purchases, card was in my possession, and I never left the house so I call " XXXX '' a supposed manager and he stated that there were several clearly fraudulent charges made by internet or fictitious internet companies and he was familiar with these " companies '' so he would send me a new card and issue the credit to my account immediately WELL THAT STILL HAS NOT TAKEN PLACE. THEY DID NOT EVEN CANCEL MY CARD AND ISSUE ME A REPLACEMENT CARD and to my horror today XX/XX/2021 I woke to discover {$150.00} missing from my account and immediately called, got transferred to another female manager this time and she stated her name was 'XXXX  ' and gave me a huge run around told me there was nothing she could do and to set up online access for my account issues and that she was not at liberty to tell me who spent my {$150.00} and then hung up on me. There is something very " fishy '' going on with this company who handles peoples money, they're only income for they're entire family and that is scary and there is someone or many someone's doing some very bad things with peoples finances and feloniously. I know several people whom have had similar problems with us bankreliacard and they never knew what to do or where to go to report them and to get they're money back and I just now have discovered this company and PRAY THAT YOU ALL CAN HELP ME RECOVER THIS STOLEN MONEY BECAUSE I AM DESPARATE

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up through American Express ' website on XX/XX/2021 when they were offering {$300.00} if {$3000.00} were spent in the first 6 months of opening a Blue Preffered card as well as XXXX $ annual fee for the first year. I was charged a XXXX $ account fee the first month. I filed a complaint, they refused to refund it with zero evidence the offer every changed. I provided cached web pages of theirs prior and after with the same offer. Third parties with the same offer. The customer service manager agreed with me on a phone call that the ruling did not make sense. Yet, they refused to offer a refund of the fees. I know the XXXX $ intro was there as I wanted to test if I would spend enough he first year to make the card worth it the next, or I would not have signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient lures borrowers into deferment and income based repayment then they raise the costs of the loan repayment to a level that people cant afford. They have also added numerous frivolous fees to my loan. They have harassed me, my friends, and my family for 2 years now during the pandemic. I did not originally borrow that much money but have so many fees they say I owe over XXXX dollars. I am XXXX years old and will never have these loans paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: MS

Complaint narrative:
the inquiries were unauthorized and Ive tried multiple times disputing with the bureaus with no help. 
I dont recognize two inquiries on my transunion report one is a XXXX area fcu from XXXX XXXX and a jpmcb card from XX/XX/2020 2020

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 2021-04-24 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I noticed unauthorized inquiries on my credit report Ive noticed that someone apply for something in my name I reached out to all creditors neither one could give me any info of where these inquiries came from the only action they gave for me to contact you guys. I dont recall giving any of these companies permission to pull my credit. Under the FCRA LEGALLY these MUST be removed

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 2021-04-24 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I noticed unauthorized inquiries on my credit report Ive noticed that someone apply for something in my name I reached out to all creditors neither one could give me any info of where these inquiries came from the only action they gave for me to contact you guys. I dont recall giving any of these companies permission to pull my credit. Under the FCRA LEGALLY these MUST be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I traded in a vehicle to my local dealership this week. The original loan I used with this vehicle was through Santander. A year after I owned this vehicle I refinanced the loan through another lender due to high interest rates Santander provided. When going through the paperwork to trade in my 2013 XXXX XXXX, the dealer looked up lien information for the vehicle. Turns out Santander never sent a lien release to the state of Georgia for the original loan. So when the dealer looked up lien information it shows multiple liens on this vehicle. They are holding my vehicles title status hostage. When contacting Santander Title Department to get this situation rectified, the customer service representative I originally talked to was extremely rude and condescending. She even said she would not help us or provide information. I need this rectified, the dealership is in limbo and I may be out a trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: PA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX BANK Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
On XX/XX/XXXX I seen on my XXXX XXXX that I have these 3 hard inquiries that I dont know about and one of them was car hop in XXXX. It shows no amount just that it affected my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/21 I considered applying for a new credit card, I pulled my credit report to evaluate my eligibility and found out my rights as a consumer have been violated under federal protection. 

There has been a consumer credit transaction reported from my credit card, a literal authorization or approval of a specific extension of credit which is supposed to be excluded. To quote 15 USC 1681a ( 2 ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. 

It is clear in the TRUTH IN LENDING ACT 15 USC 1602 ( I ) the definition of " the term " credit card '' as any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. '' My social security card counts as a credit card under these guidelines.

In pursuant to 15 USC 1681b ( 2 ) these accounts are in violation. I did not provide written content to furnish these accounts and therefore these accounts do not have permissible purpose. By furnishing these accounts they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and due to this, this has caused me emotional stress, financial problems, and damage to my personal life.

Company response to consumer: Closed with explanation