vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2022-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I opened a credit card in the store XXXX and made a purchase of {$150.00}. 
I received the bill for this in the mail on or around XX/XX/XXXX and it was due XX/XX/XXXX. 
I immediately set them up in my billpay account and entered payment to be sent. 
This was processed in XXXX XXXX on XX/XX/XXXX to be delivered XX/XX/XXXX. 
Tracking on the payment shows the check was in XXXX on XX/XX/XXXX and XXXX, TX where was it's destination on XX/XX/XXXX. The due date was XXXX which was a Saturday. From the bank notes and tracking it appears the check was at the company by XX/XX/XXXX as the bank notes. XXXX processed the payment on Monday XXXX and sent me a late fee for {$30.00}. 
I tried to reach out by phone and email multiple times and explain this is not appropriate as even though they did not get me a bill out with lots of time I still paid immediately in full and on time and they for some reason did not process my payment prior to the due date. 
I got a scripted answer that said I am not eligible for a late fee wavier. I asked for a manager to call me but have not had that happen. 
I late got a call from a collector wanting {$37.00}. I explained again they seemingly held processing my payment or did it on the next business day and the fee was not fair and I wrote in for a manager to call. She had her supervisor get on the phone and tell me he would waive the {$7.00} and I could pay {$30.00}. I did not even know where the {$7.00} was coming from and had already stated I am disputing the {$30.00} late fee as I was not late. They now are sending me a statement for {$61.00}. 
I made a purchase of {$150.00}. I paid that in full and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 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: GA

Complaint narrative:
I reached out to EXPERIAN on XX/XX/2022 by telephone ( XXXX ) I was unable to speak with any live person. I then mailed a letter on XX/XX/2022 with an FTC Identity Theft Report attached stating that I was a victim of Identity Theft and asked the company to please delete the following inquiries because they are violating The Fair Credit Reporting Act block of information section. 15USC 1681C-2 which states these inquiries must be deleted within 4 days of receipt of my identity Theft report. 

I have received a response BY EMAIL from Experian stating that they added an extended Fraud Victim Alert to my report which will stay for 7 years. I did not consent to this alert being placed on my consumer report. The company never complied to my request to have the Hard Inquiries removed. I have not been valued and treated fairly. This company is doing whatever they want, and this is unacceptable.

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 2022-11-20 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom it may concern : Thank you for taking the time to read this letter. I'm writing because my credit reports contains late payments for my CareCredit/Synchrony credit card for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. 
I called CareCredit in XX/XX/XXXX to ask for assistance to reduce my monthly payments because of the coronavirus epidemic and my hours at work were reduce. I had an excellent payment history and account was current with no late payments. CareCredit enrolled me into the customer assistance plan in XX/XX/XXXX. The representative explained to me that if I accept the plan that my CareCredit credit card would automatically you be closed, and I would pay XXXX a month and 0 % interest until the account is paid in full. I agree to the term and the agreement was set up. 
I want you to know that I understand my financial obligations, and it weren't coronavirus epidemic, and my hours reduce at work, I would have been able to pay my account. 
I spoke with a CareCredit representative in XXXX and XX/XX/XXXX, and they did a dispute online for me and I received a response stating that the information that was reported is accurate.

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 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This account is not owed by me. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized activity must be removed and blocked from my credit report. This company is also violating the Texas XXXX XXXX XXXX XXXX ( f ) They are trying to make me pay a debt for the all apartments in one building and is also contacting me for this debt when i told them to stop. If this is not removed from all my credit bureaus I will be taking farther legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: FL

Complaint narrative:
The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX  customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America client for XXXX yrs. At the end of XX/XX/XXXX fraudulent withdrawals began to occur from my five linked accounts. First noticed in XX/XX/XXXX, filed first claim in XXXX and the first money given back, {$20000.00}. I was told in XXXX that it would be given back to me in 45 days, XXXX and a half months later in XXXX I received a check, for {$20000.00}. We have filed a total of $ XXXX in claims with the bank. I received a letter stating that in addition to the initial payment of XXXX they have another {$47000.00} of which I have been paid only {$9700.00} ( 20 % ) of the {$47000.00}. The other {$70000.00}, although we filed these claims, the bank has not even mentioned those filed fraud charges. Both myself and my assistant from the bank realize the bank is stalling. We also can not get the information from an account which we closed. The bank is dragging their feet and I did not who to turn to. Please help me. 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S I am trying to leave completely from B of A. I have moved to another bank.

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 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MN

Complaint narrative:
Hunter Warfield is attempting to collect XXXX for unpaid rent for the XXXX XXXX XXXX. They were paid by XXXX XXXX of Minnesota. they sent them the payment in XXXX. Also I went by the apartments in XXXX and could see patio furniture on the balcony, and people in the apartment. I could als0 see the TX from the XXXX XXXX parking lot. The trios are trying to double and even triple dip for the rent which is illegible in Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: GA

Complaint narrative:
I reached out to XXXX on XX/XX/2022 by telephone ( XXXX ) I was unable to speak with any live person. I then mailed a letter on XX/XX/2022 with an FTC Identity Theft Report attached stating that I was a victim of Identity Theft and asked the company to please delete the following inquiries because they are violating The Fair Credit Reporting Act block of information section. 15USC 1681C-2 which states these inquiries must be deleted within 4 days of receipt of my identity Theft report. 

I have received a response BY EMAIL from XXXX stating that they added an extended Fraud Victim Alert to my report which will stay for 7 years. I did not consent to this alert being placed on my consumer report. The company never complied to my request to have the Hard Inquiries removed. I have not been valued and treated fairly. This company is doing whatever they want, and this is unacceptable.

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 2022-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Called me on XX/XX/22 at XXXX, XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX XXXX. Called me on XX/XX/22 at XXXX, XXXX, XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX, XXXX, and XXXX. Called me on XX/XX/22 at XXXX. Called me on XX/XX/22 at XXXX. There were more called but I am in the process of requesting call records from my credit card company. They only left XXXX voicemail on XX/XX/22 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2022-11-20 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 List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BlockFi Inc
State: NJ

Complaint narrative:
I attempted to withdrawl my XXXX and XXXX from my Block fi cold wallet. 
All withdrawls are disabled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received a communication from Transworld systems inc. regarding a false debt that I never owed. There phone number is XXXX. There stating this is a debt due to XXXX XXXX XXXX XXXX XXXX which I lived at for over two years. If this debt was even valid at all. It would have been charged to my account accordingly and being that I was in no default at all to them this makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have had a savings account with TD Bank for many years. The account balance was {$1200.00}. This money was kept just as savings with very little activity. In XX/XX/2022, I received a paper statement from TD indicating Account Closed, Escheated. I received no advance or warning phone calls or emails or other forms of notification that my account would be closed because of inactivity. 

I had a similar problem with this account several years ago and went to a local TD branch. At that time TD officials committed to set up the account to have a XXXX deposit periodically made to ensure that the required account activity continued to avoid closure of the account and turning its dollars over to the state. Because of these assurances by TD officials I did not thereafter concern myself with account activity. Nor did TD officials ever contact me to alert me that the terms of its original commitment to me had been altered -- and that I must now assume the burden myself of maintaining regular account activity. My reliances on TD Bank 's assurances led to my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: MI

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 XXXX5 USC 1681.Verifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHave 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2022-11-20 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: World Acceptance Corporation
State: IL

Complaint narrative:
In accordance with the fair credit reporting act the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, World Finance has violated my rights. 

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

15 U.S.C. 1681 Sect 604 A section 2 States 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 2022-11-20 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: PRESTIGE FINANCIAL SERVICES INC
State: PA

Complaint narrative:
The vehicle was repossessed XXXX years ago. On my credit report showing at the balances are increasing, and that I have XXXX years of late payments from the car was already repossessed and sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation

Complaint narrative:
We acquired a Netspend prepaid credit card from XXXX  on XX/XX/2022 at the XXXX XXXX XXXX located in XXXX Georgia in order to be able to make payments to certain suppliers. We tried in vain to activate this card but we ran into a vicious circle with the XXXX 's help system : you have to contact a phone number, two options, one of which is to receive an SMS with a link for activation however impossible on a XXXX cell phone and the other an email link to submit a series of information to identify us. After sending several emails with personal and other information, we are asked to provide a XXXX identity document, which we are not able to do as a XXXX citizen without residence in the United States. We put XXXX {$100.00} on this card and nothing suggests a solution to settle the whole thing since everything suggests that we are dealing with a robot and not an attendant.

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 2022-11-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Inquires on my account from companies I do not have an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: MI

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 1681XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXHave 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 explanation