vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
okay as a jp morgan chase customer i was in a state of un willingness trying to understand how a account and bank was shutdown and a community business all at one time and than companies like my self account was closed in that process leaving me stuck with a on going funding problem while i was a paying customer no bankers was there to help with adjustments i had to use a outside company to get part of what was lost there and than help me miss my impact payments that should have been going to that account now where is the legal help on the level of confusion left behind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Earlier in XXXX I enrolled in a program with Sallie Mae to forbear one monthly payment, and then reduce my monthly payments ( subject to re-negotiation ) for a period moving forward. I have proof of this agreement via a recorded call with a Sallie Mae representative. After the call, Sallie Mae refused to honor the agreement, and reported my account to collections, despite telling me I was in a one-month forbearance period. In addition to this mistake, they have called and emailed me 10 or more times a week reminding me to make payments, even though a payment is not due considering what was agreed to on the phone. I'd like to report Sallie Mae and their partners for predatory lending, misrepresenting loan information, and relentless reminders about loans being due, even when they are not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act the flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act the flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, 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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a purchase on XXXX {$2100.00} at Best Buy using my Citibank-Best Buy credit card. This was 18 month PROMOTIONAL PURCHASE : To avoid interest charges, I had to pay the above amount in full by XX/XX/2022. APR 25.24 % At the end of the promotional period I had a balance of {$200000.00} for this purchase. The credit card issuer has charged an amount of {$1000.00} for deferred interests just for this purchase. 

I called the bank and they gave me all kind of unreasonable answers. At the end none of their representatives was able to explain how {$2000.00} can generate interests of {$1000.00} for a 18 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 
All persons mentioned can all be tied into Racketeering A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, XXXX, Equifax Racketeering activities the CEOs and CFOs of each company mentioned shall be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second XXXX  dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 

All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, TransUnion, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.

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 2022-06-24 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I pulled my credit file on XXXX and saw that Ally Financial pulled my credit report without my permission. I called and spoke with a rep in the customer service department XXXX agent # XXXXand he stated that he would send it to the fraud department and after investigation they will contact the credit bureaus. The problem I have with this, they only asked for my name and address, which I provided. I explained to him that that was generic information and I couldn't imagine that that's all the info he needed. In there phone system I put my social security number and no account popped up. He couldn't explain to me why Ally pulled my credit on XX/XX/2022 without my consent ; therefore, I have placed freezes back on my credit report and I am filing this complaint. I need this off my credit report and this company to be held accountable fir fraudulent practices.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Auto-pay has been set up on my Target RedCard for years and I have never missed a payment until suddenly in XXXX my autopay was returned. I had not changed my bank account information and I had more than sufficient funds in my account. The payment of {$940.00} was attempted on XX/XX/XXXX with the autopay service. Upon calling Target 's credit card help line on XX/XX/XXXX I was harassed by the agents telling me that I needed to pay my debt but not offering any sort of assistance or clarity into what had happened. I had attempted to pay with my XXXX XXXX, as well as my Checking account, each of which had more than sufficient funds in them. All of those were rejected by Target. No other credit card or auto-pay service has been returned, only Target 's. 

I paid " my debt '' by using my Savings from XXXX on XX/XX/XXXX. My payment was for {$1200.00}, I had uploaded my information into Target 's system and the payment was posted that same day. Because that was the case I had figured maybe Target just had an issue with XXXX for some reason, and I decided to resume auto payment with Target using this XXXX account. On XX/XX/XXXX Target attempted to charge my account for {$1200.00} using the XXXX Savings information saved from the XX/XX/XXXX payment. On XX/XX/XXXX Target returned this payment claiming that there was insufficient funds. My Savings account at XXXX has well over {$420.00} in it, and XXXX shows no attempts at payment were made. 

Target is charging me a {$30.00} returned payment fee for this and has been incapable of providing me with any sort of information other than demanding that I pay off my balance. 

Each phone number for the XXXX assistance will either go dead or take you back to the payment center where you are only able to make a payment, not receive true assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the XXXX major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: PA

Complaint narrative:
I previously ask for a investigation into my credit file because there are account that are not reporting factual data please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.

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 2022-06-24 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 XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-24 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 Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX and XXXX  XXXX  Account # XXXX have all 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 Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Klarna AB
State: AZ

Complaint narrative:
I initiated a purchase with the merchant XXXX on XX/XX/2022 with a Buy Now Pay Later servicer called Klarna. Through the Klarna service I created a one-time card for {$560.00} and the credit card I used to split the payments was charged {$160.00}. The merchant charged {$560.00} as an authorization until the items shipped. On XX/XX/2022 part of the order shipped and the card was then charged {$320.00} and was delivered on XX/XX/2022. The other half of the order was cancelled on XX/XX/2022 by the merchant and released the authorization hold for {$230.00}. I initiated a return with the merchant to ship back the part of the order I did receive and was issued a refund in the amount of {$300.00}. Also the balance on the Klarnas end should only be {$22.00} since the merchant confirmed the refund and authorization release. I have reached out to Klarna numerous times and they have refused to assist me, even after providing proof that the merchant did not charge the card and released the funds. This is clearly abuse on Klarnas part as they have made no effort to review their systems and correct the error. The merchant has been more than helpful in providing proof that they have indeed refunded and released the authorization hold. 

Klarna is attempting to steal money from me by not acknowledging the authorization hold release and providing me a refund to the credit card I used to split my payments with their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
This isnt exactly the category I selected but its the closest I could find. My fifth third bank account was hacked. The address and phone number on file were changed as well as the online banking password. This is a secondary checking account that I rarely use so I dont check it often. When I realized I couldnt login on XX/XX/22 I spent hours reaching out to fifth third, dealing with rude representatives and got the run around because I didnt have the phone and address on file, because it had been hacked and changed. I was finally advised that I had to go to a branch which was extremely inconvenient because fifth third is not prominent in North Carolina and its not close to reach a branch. I visited a branch and was able to review the transactions on my account. There was a {$10.00} XXXX transaction made on XX/XX/22, I have never used XXXX in my life. Later there was a mobile deposit of {$1400.00} on XX/XX/22 that I did not make and a check copy was not provided to me. Following that there was a XXXX transaction of {$400.00} and {$600.00} on XX/XX/22 as well. As stated, this is not my XXXX account nor my activity. On XX/XX/22 the check for {$1400.00} was returned and noted as fraud on the statement. This over-drafted the bank account resulting in several fees and rejected payments for reoccurring transactions. I received a letter dated XX/XX/22 that the dispute for {$1000.00} has been denied because they feel the transactions were valid. 

I am on XXXX as my only source of income. In XXXX, I had no access to my funds because they were used to cover the overdraft amount and now I will not be able to recoup any of that money. They will not assist in getting me access to my online banking so I am still in the dark as to whether or not additional fees are being added to the account as its likely still in the negative since they are denying my claim. 

On XX/XX/22 I filed a complaint with the XXXX and the dispute was reopened with Fifth Third. I spoke with a representative who confirmed that I was a victim of account takeover. He was able to access that the transactions were made in XXXX ( Again I live in XXXX, NC ) and also that several logins were done on a XXXX device, I have XXXX XXXX XXXX. I am sure this conversation can be confirmed as these calls are allegedly all recorded. I received correspondence today that the fraudulent activity has once again been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 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, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights 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 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WV

Complaint narrative:
I owe a significant amount, over {$160000.00}, under what I believe was predatory recruitment for loans. 
I did not qualify for FASFA, so my school counselor ONLY spoke of Sallie Mae, knowing I was going out of state. I am a first generation college grad, so my family had no idea of the effect a debt like this would have. We were under the impression that repayment options, such as loan forgiveness and income based payments, were going to be an options. 
My payments are almost {$1200.00} a month. I am living EXTREMELY below the poverty line because of my loans. I have tried to settle with Sallie Mae, with only being told to get a second job, of which I have had 3 at a time to make ends meet.

My co-signers are not in a position to pay outright. They feel they are harassed multiple times daily by Sallie Mae and it was ruined our relationships; making help with payments even less likely. 
I have tried to settle with {$90000.00} and was rejected. 
I am out of options. I have no idea what to do. I feel I have ruined my life by being guided to get Sallie Mae loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TIDEWATER FINANCE COMPANY, INC.
State: MO

Complaint narrative:
XXXX removed the following account TIDEWATER MOTORE CREDIT as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has Tidewater Motor Credit re aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

XXXX XXXX is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.

Company response to consumer: Closed with explanation