vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express posted RETURNED XXXX TRANSACTIONS when there was funds in account ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
The transaction dates and account balances are always incorrect. On the app and on their website. They also make money transfers without my knowledge or permission. The overdraft protection does not protect against overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Received an alert that an inquiry from TD Bank USA / TARGET XXXX was made XX/XX/23. I did not give permission for inquiry for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This case was originally filed under XXXX. The context of the original complaint is that Bank of American did not provide any terms and conditions with respect to this foreign currency transaction. 

Bank of American ( BOA ) was successful in logging the timeline of events but they failed to address two critical issues. What terms and conditions were levied for the initial transaction. And why did it take over 60 days for the reimbursement to settle for the account. 

Customer is adamant that BOA failed in its fiduciary responsibility to identify terms and conditions at time of transaction and failed in its responsibility to notify customer after the fact with respect to additional terms and conditions. 

Customer through the help of its mobile service provider has been able to retrieve and save a voice mail from BOA. This voice mail does not address any additional terms and conditions. If additional terms and conditions applied, alternative methods of pick-up could have been arranged. 

To highlight, BOA is responsible for providing terms and conditions. No terms and conditions were presented at time of transaction. No terms and conditions were provided by voice mail. Hence how is the customer to know that additional terms and conditions have been levied by the bank. 

Customer requests refund of {$470.00} as BOA broke original terms of agreement and secondary transaction required additional funds ( {$470.00} ). 
costing the customer money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse 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 knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
This account is in My name XXXX XXXX my phone number is XXXX, my daughter XXXX XXXX is getting back to back calls at her phone number XXXX because she is a reference on the account. She has told them to stop calling they still call. I have asked them why they are calling her number when they have spoken to me it should be noted on the account and she should not be getting back to back calls for an account thats not hers. I can only imagine them doing this to my other references that are listed also. My daughter works nights does not need to be harassed any further. They need to remove her phone number immediately. The irony is they have spoken to me several times because I havent set up a payment arrangement they chose to use intimidation tactics which is illegal by harassing her and who knows who else they have called because we live together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CA

Complaint narrative:
Submitted typed statement detailing accounts resulting from identity theft, supporting documents submitted police report detailing accounts resulting from identity theft and identity theft affidavit detailing identity theft accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
YOUR COMPLAINT I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables & XXXX XXXX XXXX XXXX sent two claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies. 

I worked with XXXX XXXX  in creating payment agreements to pay my bills. Attached are screenshots and verification of payment, documentation of XXXX balance Company 's Response ( Balanced Healthcare receivables , llc ) BHRLLC reached out to our client to confirm the balances in our office. Our client XXXX XXXX reviewed and they are showing the same balances that we have in our office, they have requested any additional information the patient might have. We have the accounts as disputed in our office. Clients review : XXXX XXXX XX/XX/XXXX {$340.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$650.00} paid leaving {$340.00} balance. XXXX XXXX XX/XX/XXXX {$520.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$470.00} paid leaving {$520.00} balance. XXXX XXXX XX/XX/XXXX {$400.00} : Per the EOB, patient responsibility is {$400.00}, and no payments posted to date. 

What I have found out in addition? 
XXXX XXXX does not exist! We do not have a hospital with that name in XXXX, Fl. Documents received look very shady, no contact information is visible. 

XXXX XXXX suffered a databreach in XXXX https : XXXX I think this is fraud being claimed. I'm also contacting XXXX XXXX security team regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: MD

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
After numerous calls requesting a payment plan the representatives continue to try to push me towards a modification which would have increased my interest rate significantly. Finally a representative spoke to an underwriter to provide me with a payment plan. The company gave me a repayment plan that exceeded my monthly income making it impossible for me to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: MI

Complaint narrative:
I have a check cashing license and have asked for the verified information to be check and got message saying the number was not found for the company of PLS there are other operation that should be register with the number, the message came back on XXXX XXXX message came back from the operation of Ohio Department of Commerce Division of Financial Institutions XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the number wasn't found, I sent another detail of the company I was looking for of PLS check cashing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I notice the number and it looked like the one that was issued. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
I do not owe national credit system. I contacted the original debtor ( crest manor ) and they couldnt find how I owed them at first then they said it was for clean up. I told them to prove it because I didnt leave anything they cant cause they didnt have paper work. I also dont owe XXXXXXXX XXXX  XXXX original debtor ( XXXX ) they put this on my report I had insurance with another company and I been canceled them. I also do not owe XXXX  card they keep sending me through hoops to dispute this debt and had no account information on me when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized loan services asking me to pay down payment for XXXX XXXX dollars which I dont have that money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IN

Complaint narrative:
2015 Bankruptcy is incorrect. I never hired the attorney listed on this bankruptcy and items listed are not mine. Someone elses bankruptcy is listed on my credit. Also, previously used names do not belong to me. My credit was affected when the credit breach happened and I was apart if the lawsuit. XXXX XXXX has removed the bankruptcy and inaccurate names as well as the chase bank charge off that is not mine. Experian is still reporting these items to my credit report. I have contacted Experian about 10 times to file a dispute to have removed. I have proof to show I paid my car loans and have receipt for pay off and I have never filed bankruptcy on a car loan. I want Experian to remove the items off my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
I purchased a new car XXXX in XX/XX/2018 at XXXX under contract with Honda Financial services and with an account number XXXX. 
- During my monthly payment for my car, my credit scores up to XXXX - After that, I paid off my car in earlier of 5 months. When I checked my credit scores, it was dropped to XXXX... 
I don't know why my credit scores going down? please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX//2023 using XXXX Banks app XXXX wire transferred {$5000.00}. In order to process this transaction I first had to call XXXX and request an Activation Code. In order to get an Activation Code I had to first answer a slew of security questions. Once approved I was given the code and completed my online transaction. Today I was notified by the bank that they cancelled my transaction for security reasons. I once again had to answer questions and once again passed their security procedures. They informed me I woukd hade to resubmit the wire transfer. When I tried I noticed Chase Bank did not return my money and wire transfer fees into my account. I called and was I formed they would not return my funds for up to three business days. It is unfair for them to hold my funds and prevent me from doing my business. Why do banks get to step in and stop a transaction and keep our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have sent in multiple requests and disputes to Experian and they refuse to block incorrect information from my credit report or correct my personal statement. Experian has now blocked my access to file disputes online. They require that I call only. I am legally XXXX and do not talk on the phone. Experian has refused to explain why they have blocked my ability to dispute inaccuracies online and they also refuse to accept my disputes in writing, claiming that they " are not from 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 2023-02-23 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed with each bureau, but they did not remove nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: NJ

Complaint narrative:
I noticed a couple accounts reporting on my credit that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I applied for a loan yesterday and was told a delinquent account with USAA existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, XXXX and XXXX ) have the delinquent account listed. I have never opened an account with USAA. I called USAA in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted XXXX to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief