vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Fortiva credit card company refuses to cancel my card, even though it has been locked for 2 years. I spoke with a representative that told me if I paid off a small amount, they would cancel my card. Instead they immediately added more charges to my account so I couldn't close it. This has been ongoing now for years and the current charges on an account that I can't use are XXXX. 

Last time I spoke with them was in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc.
State: DC

Complaint narrative:
I have a money management checking account at SoFi bank that currently has a balance of {$1100.00}. Since XX/XX/XXXX, I have been unable to access the funds in this account as a temporary restriction has been placed on my account. 

In reaching out to SoFi on XX/XX/XXXX, I was told that I would need to speak with the XXXX XXXX XXXX. Calling the phone number given to reach the XXXX XXXX XXXX provides me with a message stating : that there is no one available to take my call. But to please leave a message with my name, phone number and reference number so that a member of the team may follow up with me. Naturally, I followed these directions ; however, no follow up call or communication of any kind followed the voice message left on XX/XX/XXXX. 

On XX/XX/XXXX, I left a voicemail with the XXXX XXXX XXXX stating the I would like to close my account as I did not have access to the funds within my account nor was I being provided assistance in gaining access to these funds. This voice message went unansweredas did did numerous messages over the next few months left with SoFi requesting that my account be closed and my funds returned to me. The most recent message was left XX/XX/XXXX. This message has not been answered. 

It is extremely frustrating to have my messages ignored by SoFi..especially since I have followed their directions in terms of proper communication with them. It is also frustrating and puzzling that I can not access the funds in my account and that SoFi is actively preventing me from closing my account. Any help that can be provided in closing my SoFi account and having my funds immediately returned to me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: MS

Complaint narrative:
On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by XXXX I then contacted XXXX Via phone and email, their phone reps said it was a mistake made by TransUnion, and it was not their fault at all. THEN I contacted TransUnion Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point XXXX and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX TransUnion has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, XXXX claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks

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 2022-06-10 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: WA

Complaint narrative:
On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX  - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I contacted Wells fargo bank regarding my money and they refused to assist me even tho I informed them that I didnt authorize some of the transactions. 
I have used a platform and it was meant to be a savings account platform that would earn me interest of 15 % yearly. 
XXXX disabled all withdrawals last month and refused to give me my money. 
I have originally deposited {$8000.00} which I authorized and they took automatically {$9000.00} from my account which made it total of {$17000.00}. 
Now I cant get get help neither from wells fargo nor XXXX. 
XXXX blocked me from XXXX when I tried contacting them. And they dont answer when I send them emails. 
Wells fargo is not willing to protect me and give me my money back. 
My life is destroyed, I even thought about ending my life because losing {$17000.00} isnt easy. 
I lost all savings and student loans I had and I am not sure what I am supposed to do. 
XXXX is stating that they are going to discontinue their service by the end of this month Soon Id be 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 2022-06-10 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: UPGRADE, INC.
State: CA

Complaint narrative:
I was alerted via a credit monitoring service that a late payment was reported to an account. I investigated and found that personal loan company Upgrade, whom I had paid off entirely last year, and had no late payments ever on, had sent all the bureaus notifications that I had XXXX 180 days or more late payments. After the shock wore off, I immediately reached out to Upgrade and received an email that admitted their error in reporting false information and that they had " taken steps to correct the information with all 3 credit agencies ''. I was in the process of purchasing property, my score tanked and I has to withdraw my offer. After working so hard to have the best score to actually buy the house of our dreams, we lost the house over this. I filed disputes and XXXX closed their case after sending me notice that the " creditor certified their reporting ''. I was livid! I have an email from Upgrade stating they made this mistake and that's not good enough? This is outrageous, I was never late, even over COVID because I protect my score, it's so important. This has caused me egregious harm and no one seems to be listening. My payment history is 100 % with Upgrade and their emails saying that they are 'working to correct the issue ' are just lies at this point because they certified the lates with XXXX after I filed the dispute to correct this- which they also told me to do. My payment history is not a secret and it is a simple fact that is indisputable, so please someone, correct this inaccurate reporting so I can have my score back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was tricked into sending money through XXXX which left me with a several XXXX dollar loss and my bank can not help recover the funds. Someone looking to sublet my apartment through XXXX XXXX contacted me and asked for details and photos about my listing. After asking me to reserve the room for them they sent me {$3900.00} for rent via digital check which I deposited after they urged me to do so. The sublet fell through, they then asked me to send the funds via XXXX to someone else they claimed to be a moving agent and a new renter. I was not aware that the funds made available in my account were just expedited and that the check had not been cleared. Since the money was in my account, I thought it was safe to send their money back without risk to myself. On XX/XX/XXXX when a portion of the check was available, I sent {$500.00} to XXXX and the following day when the whole check was available, I sent {$2000.00} to XXXX over XXXX and the remaining {$1300.00} over XXXX to XXXX. So now I am back to my original balance in my bank account and I think I am in the clear. The next day I find the original check was charged back and I was left with a loss of the original amount. I contact Chase bank about filing a claim but they say they can only help me file for the XXXX transaction and to contact customer service at XXXX. XXXX has no protection against fraud. I call Chase bank again and report the XXXX transactions but am told that there is no guarantee of recovering the money. Neither of the companies claim they are capable of helping me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient Solutions has continuously tried to collect a Private Loan in the amount of {$26000.00} that was XXXX in Chapter XXXX Bankruptcy court On XX/XX/2018. 
They continue to report this to credit bureau as delinquent. 
They have this debt listed under XXXX different account numbers on my credit report. 
I have contacted via telephone numerous of times to let them know and was told to upload the document via the website. 
In addition, they are calling me and my family members 7 days a week, once every hour from XXXX to XXXX EST time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: TX

Complaint narrative:
I am having serious problems with Experian. It appears that someone has created an " Experian Account '' without my knowledge and this is preventing me from creating/ accessing my credit information from Experian as well as addressing fraud contained in my credit report. I have phoned them numerous times in attempt to address this problem. 
1. All calls to Experian are routed to another country outside of the United States. 
2. There appears to be a severe language problem in that Experian representatives read from a script and don't respond adequately to questions or attempts to resolve the problem. 
3. I am consistently being told that the information I am providing about my personal identity does not match what they have on file. They have told me that they have my name spelled differently than my true legal name Instead of XXXX XXXX, they have XXXX XXXX. Thus, they advise me to call back in 72 hours and they will attempt to " verify me '' again. I have attempted this no less than 5 times. The issue is never resolved and when I request to speak to management, I am placed on hold in excess of 45 minutes only for the call to be answered by another representative with a strong XXXX accent that can not resolve my identity problem until another 72 hours passes. As I have been a victim of identity fraud previously, I am very concerned that someone has created a profile with Experian utilizing my social security number and my slightly misspelled name. Experian has made no effort to resolve this problem. They don't appear to have a United States based office or representatives that are able to clearly understand the English language or the seriousness of this identity issue. I need to know who has created this account, how my information has been used by this fraudulent entity and I need to be able to create and access MY Experian account to resolve fraudulent issues that are impacting my credit.

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 2022-06-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
In addition to consumers having the right to privacy THE BUREAUS INC is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only. 

THE BUREAUS INC has not conformed and is in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: EQUIFAX, INC.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On Equifax I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX dates are XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: AK

Complaint narrative:
On XX/XX/2022 someone made a deposit into my back account of XXXX. I looked up the company and it said it was a loan company. The number is XXXX. I looked up the company it said it was a scam. I never took out the loan. It also stated on line that they deposit money and then start taking money from account. I called the company and they would not discuss it. I'm furious that they did this. It has caused pain and chaos in my life. The time it takes to fix everything is crazy. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: IN

Complaint narrative:
I am writing to delete the following information in my file. I item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I have contacted the creditors numerous amounts of time and still have not seen a change to my report. I am asking that this information is deleted immediately considering it has been very hard getting approved for a female to to even take my daughter where need be. I reported the theft of my identity to the Federal Trade Commission and also have enclosed a copy of The Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible.

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 2022-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
TransUnion dates are XX/XX/XXXX, and XX/XX/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 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have been called XXXX  times per day for multiple days from multiple different numbers associated with the same company. Commenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I bounced a personal check from XXXX XXXX in my BofA account. The reason I wrote it was cause my XXXX ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and XXXX XXXX shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full

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