vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a customer of Bank of America. I have noticed that when I cancel a transaction made from my debit card the transaction is simply removed from my transaction history but I never receive my money back to my balance. This has happened several times so yesterday I had to cancel a transaction, and I also took a screenshot of the transaction history and balance before the transaction was cancelled and another screenshot of the transaction history and balance after the transaction was cancelled. The balance remained the same even after the transaction was cancelled. The transaction was simply removed from my transaction history, but the money was NEVER refunded back to my account balance. I also have a screenshot of the email from the merchant stating that they were issuing me a refund. I tried to upload the files for you to view on this complaint, but I could not. However I did email you a copy of the screenshots I have and a detailed report about my concerns.

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 2022-11-03 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They keep playing fraud alerts and credit freezes on my credit profile WITHOUT MY PROMISSION.

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 2022-11-03 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: PA

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 2022-11-03 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: PA

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP
State: MO

Complaint narrative:
Received a call from the " prosecutors office '' to call an " attorney to avoid prosecution '' for an supposed debt from XXXX US BANK. I recorded the collectors and and the " attorney that files suites '' and after they announced they were recording I announced that my end was recorded as well and they instantly dropped the " attorney '' persona and ended the call. US Bank is performing and funding predatory debt collections and releasing personal identifying information to family and friends, who they called after contacting me, about a debt from 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 2022-11-03 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: NY

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 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 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I transfer XXXX from my cash app account into my XXXX account which I had several times before just smaller amounts the money would show up immediately on this particular day it did not XXXX which is pathward national rejected the transfer due to limit load you can only do XXXX per day. With that being said I then went ahead and contacted cash app they told me the transaction was successful and there was nothing that could do so since XX/XX/XXXX I've been going back-and-forth back-and-forth and neither of the companies can help me cash XXXX said they needed proof that they rejected it so they rejected it so I went ahead and emailed them my XXXX statement not only that I did the transcript from the conversation with the people from XXXX they gave me a denial code a rejection reason a time and amount of transaction and still nothing I just kept getting automated response automated response automated response so here it is 13 days later and they still say that it was A successful transfer which it was not and basically they've just taken my money and I just have to take it basically basically I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: NY

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 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-03 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: IN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-03 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: WA

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

Account name : XXXX XXXX XXXX XXXX XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and 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 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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received two phone calls from American Express XXXX on my cell phone from Arizona and another one at my home phone number. I never applied for a credit card and am concerned that someone is using my identity to open another credit card in my name. I would like for them to stop contacting me and resolve this issue. I have reached out to American Express and will await their response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: IL

Complaint narrative:
I called to this XXXX XXXX XXXX and was on hold for two hours two and a half actually got eith some nasty XXXX lady on the phone that refused to verify my account. They did not allow me online access to my account or to order a replacement debit card. The lady after knowing I was on hold for three hours close to it she just transferred me right back to the same line i was just transferred to. Nasty horrible people if this isn't resolved in 7 business days I'm filing a lawsuit period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested a refund of {$8300.00} from Aidvantage, my current loan servicer who took over for XXXX, for payments made to the former loan servicer during XXXX COVID Pandemic from XXXX. I did not receive the correct refund. The amounts that they have recorded and refunded are incorrect and significantly lower than what I paid to them ( please reference the withdrawals/payments made from my bank account to XXXX in XXXX ). I spoke with representatives from Aidvantage multiple times and continue to receive falsified/innacurate information of amounts paid to them. When I correct the representative they somehow find the correct amount in their records from some back door. I have evidence in forms or documentation of amounts paid including bank statements and phone calls with them including case numbers from conversations weve had on this matter. On XX/XX/XXXX, I was refunded {$3500.00} less than what was owed to me. They continue to delay the refund and conversations to make this process as uncomfortable and time draining as possible to discourage the pursuit of this endeavor. I followed up with Aidvantage every 2 weeks about the progress of my refund, to verify the amount and to ensure they have all the correct information. I did this because of my poor experience with the first Aidvantage representative who continued to give me falsified/incorrect information. Aidvantage has records of these conversations written down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hello I have applied my Amex XXXX personal Credit card with American Express on XX/XX/2022. And the Agreement says XXXX $ threshold limit for getting XXXX points. I have reached the threshold amount and paid back on XXXX, XX/XX/2022 itself. But i haven't received any welcome Bonus points yet. When i call American Express customer care they are giving different time frame to provide this XXXX points. But now i have waited for all the time frames and not yet received the points. when i ask them they are not answering properly when i'll get my points. I have attached my payments details from the first statements. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: U.S. BANCORP
State: WA

Complaint narrative:
I have had the XXXX XXXX XXXX since XXXX. Id kept the balance very low. They sent us promotional checks with 0 % APR for 12-18 months. I used one of these checks for a home improvement project. In the next statement I saw a fee for {$290.00} as balance transfer fee. When I called customer service and pointed out thered been no balance transfer they basically stone walled me an insisted that I was not being charged interest. This is clearly misleading promotion. Is should point out that XXXX XXXX sold their credit card business to Elan Financial services.

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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied to the XXXX Homeowners Assistance Fund ( HAF ) for help with my mortgage payments. Last week I received an award notice from HAF indicating they would provide funds to pay my mortgage for XXXX months. 
I also received an email last week dated XX/XX/XXXX from HAF indicating they have deposited {$5700.00} into the JP Morgan Chase account sent via wire. It was mentioned in the email that I should call Chase to make certain the funds were in the account. I called Chase last Friday and the person I spoke to said that it should take a few days for the funds to be deposited. 
Today I spoke to someone who said it should now take up to ten business days for the money to be transferred.

As usual Chase is giving me the run around. They have treated me in the last few years abusively. I need these funds sent by HAF to pay my mortgage. I can not take Chase stonewalling me.

Please tell Chase to abide by the law. These are Federal Funds that were sent to Chase. Tell them to release these funds in which HAF has told me they are already in Chases account. HAF even gave me the account number. I am XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
XXXX from Fortiva made a collections phone call when I was 6 days past due on one payment from this phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capitol one raise credit limit with my authorization.and paid budget and XXXX XXXX XXXXhad me change credit card number claim they won't pay them. charge me late fees. reported late to all credit bureaus.after payments made. 
Charging my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please see the attached documents regarding this issue with bank of america

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 2022-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Global Credit Union
State: CA

Complaint narrative:
To whom it may concern ; On XX/XX/XXXX, I've asked Alaska USA Federal Credit Union to stop a direct deposit that was going into my account on XXXX XXXX. They said they couldn't stop it. That I would have to close the account and reopen another one. So I did what they told me. I also told the bank that this deposit CAN'T go in my account. They said that it wont go in because your account is closed. That it will go back to the sender. The credit union told us the our account is secured. So that weekend my wife and I had to change ALL of our accounts that had direct deposit. On Tuesday the XXXX, we noticed that our bank transferred that deposit that we worked so hard to stop. I asked our bank how did this happened? They replied that they did it as a courtesy. I didn't ask for that. I was so upset. I also found out that the bank gave this institute my new account number which I told them NOT too. Now my wife and I have to babysit our account because of what Alaska USA Federal Credit Union did. I was stopping an institute called XXXX XXXX from depositing any monies into my account. XXXX XXXX wont comment on how this mistake happened. I thought it was prohibited to give out personal information on bank accounts. Especially an institute that I told them about.

Company response to consumer: Closed with explanation