vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: MS

Complaint narrative:
The Credit bureaus stated XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and a lot more inaccuracies. Ive attached XXXX, XXXX and XXXX credit reports. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given this account written permission to furnish this account on my credit report as well

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 2022-06-06 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: TX

Complaint narrative:
Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EXPERIAN in regard to my attempts to have my consumer report corrected, including but not limited to, dispute dated XX/XX/2021 sent via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, and CFPB ( CONSUMER FINANCIAL PROTECTECTION BUREAU ) Complaint # XXXX Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER XXXX : XXXX XXXX/XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER XXXX : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX 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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went into a branch with multiple IDs, including my current and active driver 's license, credit card from Chase, and any other forms of ID required. I had my check from my account and wanted to withdraw my money from an account. 

After several minutes, the chase banker told me that they could not give me my money- even though it was 0.5 % of my total account balance. They said they sent a text to my wife ( also on my account ) and would only provide me the money if my wife texted back in a certain period. 

This is my money, on a chase approved check, in person, with my IDs, signature, and cameras all over the business. I should have access to my money in a checking account without delay. 

I wish the CFPB to take action to ensure that Chase Bank can not prohibit me from accessing my own money because some " system '' says that I need a text code to withdraw. 

This even happened on XX/XX/XXXX at a Chase Branch on XXXX XXXX in XXXX, Arizona. The check was for {$2000.00}. I was unable to proceed with this transaction. The branch manager called me the next day and told me the " system '' overrode the ability of the lead teller to allow me to get access to my money. He said that the system was still in place and that I would not have any assurances that this would not happen in the future. I withdrew from a CC on an ATM and was charged fees from those institutions. 

I should have the immediate ability to withdraw funds and should not have to pay separate fees from other institutions because Chase wants to hold my money. Please help address the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Management Outsourcing, Inc.
State: DC

Complaint narrative:
My elderly mother XXXX XXXX XXXX receives repeated phone calls from a credit recovery company for a medical bills that is over 10 years old. She retired from her job back in XXXX  and used to go XXXX XXXX for health care services. She last went to XXXX back in XXXX. Unfortunately, she did not pay the {$160.00} medical bill, because she thought that she was still covered under XXXX 's health plan. 

I screened all her phone calls because of the increased number of scam calls received from various companies and vendor, on a daily basis.. My mother is XXXX XXXX XXXX and not in good health. As her daughter, I have to protect her from various individuals and organizations that phone on a daily basis with all sorts of scams. 

Since my mother retired back in XXXX, we only received a few notices from her health insurance about the medical bill. However, Nationwide Recovery Service ( XXXX ) started to call her within the last several months. I have repeatedly told them that she does not owe the debt. They insisted that she pay the bill! Each time I discontinue the phone call. Today, I received another call from this company attempting to get the bill paid. I told them that the bill is old and time barred. The individual kept trying to talk over me and wanted some information. I ended the phone call. 

My mother is unable to care for herself and I have to take care of her as best I can. This includes avoiding her getting upset by any harassing phone calls. It's gotten to the point, that I turned the ringer off on the phone by her bed. I want to avoid her getting upset over something that is not owed. Can someone in your office help me with this matter? Thank you for your consideration of this matter. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've reached out to the companies directly in XXXX and in XXXX, but no resolution has been made. I've requested for these Hard Inquiries 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 2022-06-06 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-06-06 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 XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A late fee was charged against me for my XX/XX/2022 bill. I paid in full. However a new late fee was added on my XX/XX/2022 bill. That was the only charge. I did not make any new purchases. I called to waive it and was told they would waive it but it was not waived. Now I am " late '' for the XX/XX/2022 bill which was due on XX/XX/XXXX. I called to explain but not only are they not waiving the full amount, but they also are now charging me an ADDITIONAL late fee on the XX/XX/2022 late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX DEPTEDNELNET Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor 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 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 2022-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a car from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX. During the transaction I let the representative from XXXX know that I was already pre-approved from my bank, Randolph Brooks Federal Credit Union. He stated it was fine but that we were going to finance the car through XXXX and then have title switch the loan over and it would be fine as long as it was done within 3 days. The following Monday was XXXX XXXX On Friday XX/XX/XXXX I called to let RBFCU know that I already bought a car with XXXX but let them know they needed to transfer it into RBFCU 's name. RBFCU stated they called the XXXX representative and sent them an email for the loan pay off information and where to send the check to. The following month I found my loan on the RBFCU website and started making payments on XX/XX/XXXX. Since then I have made every payment through the RBFCU website and have been on time. 3 payments have already been made for the car at the time of writing this. XXXX called me on XX/XX/XXXX at XXXX wnd stated they are putting my car up for repossession as they have not received a payment for the car. I stated to them that I have already made payments through the RBFCU website but XXXX stated they are the lein holder and not RBFCU. I have called my bank and I have called XXXX to try and get the loan and title out of XXXX name into RBFCU but both the bank and the dealership do nothing but point fingers at each other when my credit has been hit for being 60 days late, my credit shows 2 loans for the same car in my name, my time has been lost over 2 days trying to get the two companies to talk to each other, and neither are willing to accept responsibility to move the title and name the proper bank on the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I sent a check for payment on my account by mail. The check was from XXXX XXXX XXXX  XXXX, XXXX. Check number XXXX for {$12000.00} The check also had our names- XXXX XXXX and XXXX XXXX XXXX on it. The check posted on XX/XX/2022, it cleared the bank on XX/XX/2022. It has not been credited to my account. I am still being charged interest on that amount and now late fees. I called twice last week to get this resolved, and again today.

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 monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Was given a Visa pre-paid gift card. Rejected for in-store purchase. Using an online-provided service, I found three fraudulent charges that had taken the balance of the card ( originally loaded with {$300.00} ) to {$1.00}. Called Visa pre-paid card services six times to get this issue handled. Was only able to reach a human operator once, and that person then put me on hold to see an " accounts specialist ''. I was kept on hold for another 1.5 hours before the call was suddenly dropped. The " Help line '' for Visa Gift Cards is just an automated message that tells you to either call the number on the back of the gift card, or steps to take to buy a new gift card, with no other options available.

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

Complaint narrative:
I have not made any kind of business with all this accounts. All this information is incorrect. 
Please delete all this wrong information off 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 non-monetary relief
Consumer complaint received 2022-06-06 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: TX

Complaint narrative:
I have not made any kind of business with all this accounts. All this information is incorrect. 
Please delete all this wrong information off 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 2022-06-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a message from a credit monitoring company that my data was breached, including my name, social security number and driver 's license, and noticed recently that someone has either opened or tried to open accounts at two or three institutions including, but not limited to XXXX XXXX, XXXX XXXX XXXX and 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 2022-06-06 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 XXXX XXXX  # XXXX, XXXX XXXX  # XXXX and XXXX XXXX  # XXXX, have 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 2022-06-06 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: Social Finance, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I've reached out to the companies directly in XXXX and in XXXX, but no resolution has been made. I've requested for these Hard Inquiries 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 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I called the company the XXXX of XXXX and told them I wanted to pay off my loan. I could only get a pay off by snail mail or fax. I do not own a fax. After a week, no mail. I have never received a pay-off by mail. I called on the XXXX and on the XXXX I got a payoff by email. It had an amount and half of a page empty. It had a second page I did not open. 
I sent the {$49000.00}. It was cashed on the XXXX of XXXX. XXXX weeks later I got an email to get in touch with them. I did not send the money to the address on the XXXX page. They said they would return the money. I have been in contact with them, they said the check went out on the XXXX. Today I called again ( XXXX of XXXX ) was told the same thing. I do not have the check. They also told me I should expect it by the XXXX. " Why that long '' I asked, and was told that was on the post office. This is not true. I mail things all over the XXXX, it takes 2-3 days. By the XXXX my mortgage payment will be late incurring fees. My Loan # XXXX with Specialized Loan Servicing. My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX, covington XXXX My email is XXXX. 
I have sent numerous email request to them with no answer. Every time I call I am put on hold for 5 minutes numerous times. They have not helped me.

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 2022-06-06 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: I.C. System, Inc.
State: IL

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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