vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had autopay set up with my XXXXXXXX XXXX account. Discover instead decided to debit my Discover Bank savings account {$600.00} on XX/XX/2022. My Discover Bank savings account was unused. I immediately transferred sufficient cash ( {$700.00} ) into the Discover Bank account to cover the overdraft ; Discover retried the debit after the transfer had posted, on XX/XX/2022. However, instead of using the {$700.00} that had been deposited into the account, Discover then returned the {$600.00} ACH debit on XX/XX/2022. At that point, Discover charged me a {$35.00} returned check fee. 

I attempted to get a refund of the {$35.00} returned check fee, but the customer service person stated that the fee was 'contractually required ' and would not be waived. I believe that Discover 's bad faith actions in returning the ACH transaction when sufficient funds were available warrants a reversal of the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I took out a car loan with Security Service credit union and paid it in full. Security Service credit union is holding a balance of nearly {$1000.00}. They will not let me have my money because I don't know the account number. I lost the paperwork when I moved into an XXXXXXXX XXXX XXXX. I'm XXXX XXXX XXXX and in poor health. I can't go to their office because of my health issues. All I want is for them to transfer my money to my XXXX XXXX checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical Data Systems Inc. sent a letter saying that the accounts on my credit report would be removed but they have not told the credit bureau anything. Instead, they have added two addition account to my reports. The credit account numbers are 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 explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I'm trying to fix my credit and I call JPMCB-Auto Finance `XXXX chase bank '' to find out about my acct to negotiate because they still have the car title. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue, they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XX/XX/XXXX. I ask about the car title they didn't want to give me information about it either. agents I talk was XXXX Id # XXXX XXXX Id # XXXX. I check all 3-credit bureaus in all 3 bureaus have different dates and different address on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX As a consumer by law this account must be deleted. 2. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: MD

Complaint narrative:
On or around XX/XX/2022 I filed disputes for public records and another account with documents showing inaccuracies in the information and theyre not doing a proper investigation of the accounts I will attach the documents I sent over showing this information. 

According to the law XXXX5 U.S. Code $ 1681a - Definitions ; rules of construction. 
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. 
I would like to know who did they talk to. 
How did they complete this investigation. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened a bank account with PNC about a month ago. I had. A large balance. I was mailed checks and mailed a debit card. My checks and purchases started bouncing because the PNC Bank closed my account with no notice. 
I called the bank number and received no information. Today I was told I had XXXX in the bank but have not received it as of yet but just received a letter that my account is closed for no apparent reason. It is very difficult to get payment with XXXX on my purchases I sent back because they will not talk another bank card from other banks. They have to mail me a great deal of money in my returned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They have incorrectly/illegally reported late payments on my car loan. I have mailed them a certified them a letter regarding this situation. They have not corrected the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX  which I did and they said to there knowledge XXXX took nothing off for there mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
XX/XX/XXXX- Did a payment of {$15000.00} to my edfinancial account. It lowered the balance of one of my four loans. 

XX/XX/XXXX- heard the loan forgiveness program was passed by XXXX. As a pell grant applicant, I would be approved for up to {$20000.00}. Later on, I read that I could ask for a refund on the amount I paid. 

XX/XX/XXXX - XXXX Called to ask for a refund on a payment done. The representative let me know that they will start processing the refund, but thousands of people have applied for refunds so it can be over a year for it to get processed. If I wanted to cancel my refund request, I could do so at anytime. I asked if at least the amount would be updated on my edfinancial account so that I can apply for the loan forgiveness program. He let me know that this would happen at the same time I get the refund. He told me to not apply for the loan forgiveness program until after I get the amount updated on my account. I thanked him and hanged up. 

Later on that day, I realized I didnt get an email notification or anything that stated that I started this refund process. 

XX/XX/XXXX - XXXXXXXX XXXX I called back to ask for a confirmation number or if I could receive an email. The representative let me know that Edfinancial does not do that, but instead, it is noted for them in my profile and I can call back next month to check on the status, but that they dont know what the refund timeline would be. She let me know that the last day to apply for the loan forgiveness program is XX/XX/XXXX so to hope and pray it gets resolved before then. 

I have been told that to get refunded or my account updated, it will take well over a year, but that I cant receive anything in writing. However, I am more than welcomed to cancel my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and 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 602 A section 2 ; it also states consumers 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 2022-09-15 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: Chime Financial Inc
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX, my car was broken into and my wallet was stollen. 3 unauthorized transactions were done for a total amount {$700.00} by the same merchant. When I noticed they had stollen my wallet, I immediately called Chime to advise them of these unauthorized transactions but they said the transaction had to settle first before anything could be done. I filled a police report to XXXX XXXX the next morning which was XX/XX/XXXX, and contacted Chime with the police report number after the transaction was approved. I began my dispute and provided evidence of the transaction being unauthorized, as they also tried to use my XXXX debit card as well but was declined by XXXX due to fraud. After providing all the evidence i could provide chime sent me an email saying my dispute was not approved and that the transactions were settled. My denial letter did not include anything from Regulation E which states certain information must be included in the denial letters such as terminal location/transaction location, type of transaction ; ( atm, retail pos, online pos ), name of the financial institution that initiated the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: FL

Complaint narrative:
I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX the various account 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 with out 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 2022-09-15 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number 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 an account without my written instructions. My credit report is attached to reference this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report.

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been a CareCredit card holder for years. I got the card because it offered no interest installment payments ( 6 or 12-month durations ) for healthcare and dental services. I use the app to manage my account. Last year when I received a new card in the mail, I assumed that, like any other card, it was time for renewal, and in order to renew, I had to activate the account. When I activated the account late last year, I was already paying monthly for a XXXX XXXX I finished paying for that 12-month loan in XX/XX/2022. I used the card again on XXXX XXXX, 2022, to pay {$560.00} for some XXXX XXXX I called CareCredit on XXXX XXXX at XXXXXXXX XXXX to inquire as to whether that {$560.00} was on a 6-month or 12-month payment schedule. Usually, the default is 6 months. I was told by the representative that " unfortunately '' ( her words ), the card was used as a " Mastercard ''. I asked her how the card could be used as a Mastercard when it's not a Mastercard but a healthcare and dental credit card. She said that I activated it as a Mastercard when I received the new card in the mail. I told her that I was not aware that I was activating a Mastercard. I told her that it wasn't like they sent me two cards and said one is a Mastercard, and the other is the card you are used to. Instead, I received what looked like my regular CareCredit card. I told her I didn't need another credit card and would not have signed up for one if not tricked into activating a Mastercard instead of a no-interest healthcare and dental card. This tactic is similar to what XXXX XXXX was just accused of doing, except it is a lot more insidious. So CareCredit sent me a card that looked like my regular card in a renewal package that I had to activate, but instead, it was, by default, a high-interest Mastercard. If this was not meant to fool the customer into using a high-interest Mastercard that they thought was a no-interest healthcare and dental care, why is the default the high-interest Mastercard? I didn't tell the dental provider to make sure not to use the card as a Mastercard because I didn't know I had a Mastercard. The representative wouldn't let me get a word in edgewise. She talked over me. I told her that I was going to report them to the FTC, and still, she continued to speak over me. I asked her if I could speak, and she continued to talk over me, so I disconnected the call. This is so fraudulent. Even the app that I use never changed to the new Mastercard image. I was clueless about this bait and switch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account is apart of the XXXX XXXX Data Breach. I am a party of the settlement. This information was obtained in the course of the Data Breach by Portfolio Recovery. Portfolio Recovery is reporting and falsely claiming this credit transaction is a debt due. Portfolio Recovery Solutions has provided documentation it may have obtained in the XXXX XXXX Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of XXXX XXXX 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. XXXX XXXX and Portfolio Recovery Solutions are in violation of Title 15 Chapter 41, 15 USC 1602.

Company response to consumer: Closed with explanation