vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I bought online two pairs of shoes on XX/XX/2022 Shoes were returned in few days, and XXXX XXXX received a refund. 
But they charged again XX/XX/2022 There were two pairs of shoes and two amounts : {$37.00} and {$32.00} {$37.00} was refunded XXXX XXXX {$32.00} - never refunded. 

Please help me to get refund of {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
all of my right was violated by XXXX, XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PDQ Services, Inc.
State: NY

Complaint narrative:
I recently checked my credit report and have found that PDQ Services Inc is reporting a collection on it. PDQ Services Inc is not a licensed Debt Collection Agency which is a requirement in the State of New York. Please remove the account for this illegal collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX ( via XXXX XXXX ) issued a credit card transaction without my knowledge or consent. The target credit card was not defined as a payment option at the time of the transaction. No transaction documentation was issued to me. I discovered this transaction by accident when checking the status of the credit card, which I had previously cancelled and paid to a {$0.00} balance. 
I have attached a more detailed description of the problem as a PDF file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Bank has taken over account from XXXX  XXXX XXXX for XXXX XXXX. My account was closed with Bank XXXX XXXX so when the transfer happened i was not to be issued a card with Comenity. I have been trying since the conversion to get online access so I can easily monitor and manage my account balance. I have been made numerous calls to Comenity to get online access. They even one time send me an email with to give my my number, but the email was to a secure online portal on my account that I can not acces. I have been given a total of three different account numbers that do not allow me to register for online access. I want to have online access so I can set up automatic payments, monitor my account and make extra payments as I choose. The latest correspondence is a letter dated XX/XX/30 with an account number that I am to use to make payments, again not able to use to set up online access. I called, requested to be transferred to the US and talked to an XXXX who informed me this number is incorrect, the last 4 digits is correct, but the beginning is incorrect. She also informed me that I would never be able to have online access because my account is closed. When I told her that was unfair, she said I can't hear you and the call got disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2022 I received a promotional email from capital one stating if I upgraded from my venture card to venture x card I would receive 75,000 bonus miles if I spent {$4000.00} with the first 3 months of having the card. On either XX/XX/XXXX or XXXX I upgraded to the XXXX XXXX card using the the link provided in the email. I have since spent well over {$4000.00} on the XXXX XXXX card. On XX/XX/XXXX I received a call from a representative of capital one regarding a claim I put in for the above mentioned bonus miles. Because of time restraints I could not speak with the representative at the moment and asked if I could call him back within 10 minutes. Upon returning call and speaking with another representative, I received an email saying my claim would not be honored. I have the email. Nobody from capital wants to see said email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There was a hard inquiry on my credit report. I called Capitol One NA. They informed me that someone had entered an application for a Walmart card. I told them that I have not applied for any type of card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
This company has violated several of my consumer rights according to the FCRA everything on my consumer report must be 100 % accurate. 15 U.S.C 1681 section 602 A states I have right to privacy I was never provided the pre sell and post sale letter, auction receipt, notice of arm length transaction and right to first refusal I demand these documents be provided with proof it was sent to me also a full breakdown of how all fees were calculated The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate! 
By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.

pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearl
y and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Please provide documentation I was given these disclosures in any form clear and conspicuously and given the opportunity to opt out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney. My money was wired from my Bank of America checking account. The receiving bank is XXXX Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. I know my money is frozen at XXXX Bank, but neither bank will cooperate in returning my money. XXXX is holding my money hostage and Bank of America continues to lie to me every time I call.

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 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
In XXXX of XXXX I opened a furniture loan with ACIMA. I explained to them I had gotten XXXX  shortly after and then both my children causing me to lose work. On XX/XX/XXXX I called ACIMA to make the final payment and close the account. I was told by the agent who helped me once the payment clears the account would be removed from my credit file. ( Payment confirmation number XXXX ) Ive even attempted to dispute it as creditor agreed to delete unpon payment and have had no luck. As as of today XX/XX/XXXX its still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not authorize this loan. Ive disputed this twice with XXXX. XXXX keeps saying information is accurate when its not. On XX/XX/2022 I went to finance a car that is when I was told I have an outstanding balance of XXXX that I need to pay. When I truly have no idea what this company is and what loan was made. Ive already filed identity theft with this company. I just dont understand why XXXX is telling me the information is accurate when I never have done anything with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have reached out to XXXXXXXX XXXX  about Wells Fargo to try to save our home. This is a fraudulent foreclosure. Attorney XXXX XXXX was assigned to this case and was disbarred for fraudulent foreclosures. The note is lost and the assignment of the mortgage has been changes several times. Several complaints has been filed with CFPB about this matter and this debt is part of the XXXX dollar fine CFPB has filed against Wells Fargo for fraudulent foreclosures.This is an opportunity for XXXXXXXX XXXX  to save a home for a XXXX XXXX XXXX and 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 2023-01-12 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
There was a hard inquiry on my credit report. I called XXXX XXXX NA. They informed me that someone had entered an application for a XXXX card. I told them that I have not applied for any type of card.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 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 2023-01-12 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
have been trying to close account forXXXX dollars and some change as per there web site able to c lose by web but cant log into accont they XXXX it and im not able to drive or have no way to go to branch i have sent letters and faxes demanding account closed and check mailed to me but all have went unanswered

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 2023-01-12 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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation