vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 U.S.C1681 section 602A states I have the right to privacy 15 U.S.C 1681 A section 2 It also states a consumer reporting agency can not furnish a account without 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 2022-05-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act Navy Federal Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Recovery Services
State: IN

Complaint narrative:
Regional Recovery continues to lie about their collection efforts with their most recent response on XX/XX/2022 stating : " The patient still owes the money and while we have ceased communication the client has, at no point, given us the ok to remove from her credit report for the " Malpractice Suit '' that we've not been notified of. '' You havent been notified????? What?! I have uploaded proof of letters sent to you on several occasions by my lawyer NOTIFYING YOU of litigation LAST YEAR!!! 
How in the world are you saying you havent been notified of a malpractice suit when my lawyer has sent you letters about it several times?????????? I have uploaded proof of that!!!! Why are you lying? 

I am going to file a complaint EVERY SINGLE DAY against you until you stop lying about not knowing about a lawsuit when there is proof of correspondence with you from my LAWYER! This further proves that Regional Recovery Services is continuing to use unscrupulous tactics by denying that they were not notified of the malpractice suit. 

I HAVE AGAIN ATTACHED PROOF OF CORRESPONDENCE SENT TO REGIONAL RECOVERY BY MY LAWYER TWICE THAT ALSO IDENTIFIES THEIR CLIENTS AS ORIGINAL CREDITORS. 

The case is available for you to view in XXXX XXXX Dockets for XXXX XXXX, Indiana. Please stop playing XXXX. It's asinine behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AZ

Complaint narrative:
I reported a fraudulent charge on my debit card on XX/XX/XXXX and its XX/XX/XXXX and my bank is telling me they need more time to investigate the charge but are refusing to give me a credit or even acknowledge that I submitted the dispute on XX/XX/XXXX, even though I provided them with proof of correspondence with the support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america stol my mony

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 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I applied online for a new Chase XXXX XXXX XXXX XXXX account on XX/XX/2022. On XX/XX/2022 a denial letter was written by Chase. It was based on the following reasons 1 ) Delinquency or other derogatory relationship with our bank 2 ) Insufficient balance in deposit and investment accounts with us XXXX ) One or more credit cards have a high balance compared to the credit line 4 ) Total available credit on credit cards is too low My itemized complaints : Line 1 can not be true and factual since I have never had an account with Chase. 
Line 2 can not be applied because this credit card is designed for balance transfers and there was nothing in writing on the application webpage about having an existing account with Chase and a balance in deposit and investment accounts.

Line 3 the balance transfer would have significantly dropped the high balance to the credit line. I have money owed to me that will be applied to the balances.

Line 4 getting a Chase credit card will increase the available credit I asked for a detailed explanation for lines 1 and 2 over the phone to a Chase CSR and all I have received is this ambiguous explanation of denial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
In XX/XX/2021 I did the COVID forbearance. I was told to call back and let them know when I can resume making payments. I contacted the mortgage company in XXXX 2021letting the mortgage company know i can resume my payments XXXX 2021. I let them know that I want to do a partial claim to handle the missed payments. Ive been making payments since XX/XX/2021 but the mortgage company liss mitigation still hasn't file for the partial claim. I've been calling the loss mitigation department since XX/XX/2021 to get this resolved and request call backs from management and I have not received any call, no email or mail communication. I found out last week that I'm in pre-foreclosure, I don't see how when my request for partial claim hasn't been made nor has it been denials. I can not get in touch with Noone to get this resolved with Crosscountry mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: PA

Complaint narrative:
In accordance with the fair credit XXXX, XXXX  and transunion has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-18 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: PA

Complaint narrative:
In accordance with the fair credit XXXX, XXXX  and XXXX has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-18 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: WV

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: MD

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 Also hard inquires XXXX XXXX  XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/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 2022-05-18 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: MD

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 Also hard inquires XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX & XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
In accordance with the fair credit Reporting act XXXX XXXX Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-05-18 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-05-18 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: WV

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, the consumer and natural person, was denied credit by Capital One when I applied for a credit increase. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Capital One due to the response I received. 

Capital One is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went to a restaurant with a big group and my credit card got charged twice. Once for {$20.00}, which was the correct amount, and once for {$150.00}, which was definitely a wrong charge. I talked to the restaurant manager, and they said they had no record of the {$150.00} charge and to dispute it with my credit card company, which is Chase. Chase reassured me that they would take care of the fraudulent charge, but they ended up charging me for it. When I questioned Chase about why they did not take care of the fraudulent charge, they said it was because the card was scanned in person. I told them that's because I was at the restaurant like I told them with the card, but the {$150.00} charge was not mine, so the waiter must have used it for an UNAUTHORIZED transaction. Chase insisted they would not cover any fraudulent charges from a merchant that I have used before, which makes no sense. So basically if I used a merchant like XXXX a XXXX times with my credit card, but a fraudulent charge went through on XXXX then they wouldn't cover it?! They said they did not obtain a signed copy of the receipt for the {$150.00}, which if they did, it would clearly show it was NOT my signature that authorized it. I even submitted to Chase a copy of my correct receipt showing the {$20.00} charge and e-mail correspondence from the restaurant, but Chase still did not take care of the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account in paypal is permanently limited because I reach the amount thereshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-18 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity bank needed a formal letter to have a cease and desist put on my account to stop repeated calls to both work numbers on file. I am currently off from work due to XXXX related issues that continue to reoccur. I need all correspondence to go to my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Equifax, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation