vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: NY

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 that have the right to privacy.

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

in accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been reaching out to Chase bank regarding inquiries dating back to XX/XX/XXXX and have nit heard anything back as of yet. There are now 4 inquiries from Chase bank that i did not authorize, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I gave sent 2 letters the. Chase, 1 in XXXX and 1 XX/XX/XXXX. I have not heard anything back and the inquiries remain on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I decided to take a look at my credit report. I noticed inaccurate reporting for XXXX XXXX XXXX I disputed this account immediately when the balance was {$520.00} and closed. The account was then updated as being OPEN and with a balance of {$520.00}. I disputed it again and the balance was updated to {$530.00} and 66 months late with Experian and 24 months late with XXXX. XXXX saw the inaccuracies and deleted the account but Experian and XXXX have not responded. This account is inaccurate and I have given them the chance to delete the account from my credit report. I have the right to have a 100 % accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
I did not open this account ; someone using my information opened the account. I tried to contact AFFIRM INC, but they don't list their contact information. I have disputed this with XXXX, and they tried to tell XXXX they confirmed it was me. I know for a fact they never reached out to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My information was leaked during a data breach sometime last year. I received a call from what I thought was USAA to tell me that my account was in jeopardy and they read my information to me exactly ( full card #, full account #, etc ) and told me they needed me to verify a pin code. The short version is this was a phishing scam using information. The scammers made many international money transfers, one after another, over a period of a few weeks. I didn't notice because it was small amounts until one large one went through. I disputed these with the bank, who sided with me on 1 transaction, and declined me on the others. The merchant sent a copy of an -old- drivers license, and a selfie of an individual who is not me, obviously information obtained from the data breach. For many months I have been dealing with identity theft, with people obtaining employment as me, opening XXXX accounts as me, applying for credit cards and loans, etc. A nightmare. 

USAA ruled against me and held me responsible for the illegal transactions and theft. I submitted a police report, an identity theft report, and they still sided against me. They took my account negative {$2900.00} from theft and fraudulent transactions. I contacted the CEO 's office executive communications line, who said they would begin a new investigation. The account was then charged off, and deleted costing me my direct employment account and a bank account I've had for years. 

They failed to keep my account open and failed to protect me from fraudulent transactions and failed to live up to their member agreement not holding me liable. 
I was then sent out to collections for the amount of the theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Shared personal information Accounts closed/ charged off then opened again Keeps reporting accounts as delinquent when accounts have been closed for years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Shared personal information Accounts closed/ charged off then opened again Keeps reporting accounts as delinquent when accounts have been closed for years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Call today, XX/XX/22 XXXX pdt to the XXXX prefix. 

I have no unpaid debt and I never have had any. I have lived at the same address for over 50 years so if there has been a bill from someone that is unpaid it would never have been sent to me. 

I get calls that I do not answer from Portfolio Recovery Associates from a variety of numbers several times a month that I don't answer and they never leave a message. After researching who they are and knowing that they are not a legitimate collection agency I never will answer, and I will continue to block their numbers but it is still a pain and it has been going on for over a year. 

By the way I worked for a Consumer Reporting Agency that also owned a collection agency and I know there is a right way to do the business.pi

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, my cell phone was hacked and money was taken out of my account about a XXXX dollars. I disputed it the very next day. But my dispute was denied because it happened on my own device and on my own Wi-Fi. But I had reported that my divorce was hacked. They will do nothing more. I had called XXXX. They had me down load an app which apparently gave them access to my device and my Wi-Fi. I thought there were laws protecting consumers from this kind of fraud. It was PNC Bank. I did not willingly send anyone this money and I never thought XXXX knew what sell was. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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:
Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: DISCOVER BANK
State: TN

Complaint narrative:
I notified Discover Financial Services that I was a victim of a declared natural disaster being COVID-19. As a result Discover is reporting late payments for the months of XXXX and XXXX of 2021. I have had exceptional payment history for 9 consecutive months since. Please investigate and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
In the letter by XXXX XXXX XXXX XXXX, they have send me a debt collector. Total amount " owned '' was XXXX and decided to drop it by 50 % coming at a XXXX. 
Treated to ruin my credit for a debt not owned by me. As I already paid in full to the previous company. XXXX XXXX XXXX XXXX XXXX said in written and I quote " Any negative credit repot reflecting on your credit that has been or may be submitted to a credit reporting agency will remain if you fail to fulfill the terms of your credit obligation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Im trying to sell my house. The second mortgage has been purchased by another lender.

We have been trying to find who is the new lender with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
Hello, I am currently using Discover Bank for my savings account. 
I recently purchased a home with a closing date of XXXX XXXX. My lender gave me the bank details with the title company to which I was supposed to initiate the wire ( domestic ). 

I initiated the wire transfer on XX/XX/2022 itself with the amount of {$190000.00} Discover did some verification with me on behalf of the federal reserve and on XX/XX/2022 they mentioned that the wire transfer has been completed. They deducted the funds from my bank account on XX/XX/2022 and gave me a reference # XXXX that the wire transfer is complete. In the message, they said it can take maximum 2-3 business days. 

On XX/XX/2022, my lender company officer reached out to me and told me that the title company bank has not received the funds. I called in discover bank, we verified all the account details to where the funds were supposed to go and everything looked good and they said they will initiate a trace. 

On XX/XX/2022, I called in again to Discover to get the status and they said they have no update from the federal reserve. 

On XX/XX/2022, My lender company did a conference call with discover and asked the discover bank to provide an OMAD # associated with the wire, and discover was not able to provide that and asked me to wait for 1 more day. 

On XX/XX/2022, I called Discover and asked for the OMAD # and they said they don't have it and the only update they gave me is that it's with the federal reserve pending bank verification, which i don't know what it means, neither discover could answer. 

On XX/XX/2022, I called Discover and conferenced in the receiver Bank officers, my loan title officer and they pressed discover bank to provide the wire tracking OMAD # then also discover was not able to provide the wire tracking #. 

I got a message from my lender and title officer that without funds into the escrow amount, I may potentially have to lose the house or pay additional funds to close, my existing loan terms may change, and I may be subjected to additional rate lock fees if the funds are not received by XX/XX/2022. 

I have been on calls daily with my lender, and the " discover bank '' and spending almost on average 3hrs during my job work hours a day to deal with this situation and it has caused me mental stress, and embarrassment. I just hope discover doesnot do the same dealing with another customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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:
Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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:
Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I've held and paid on direct consolidation loans since XXXX. The loans were automatically placed in forbearance during the Covid pause ( XXXX XXXX ). Despite this, I voluntarily made payments on those loans until the XXXX waiver was announced in XX/XX/XXXX. I was serviced by XXXX XXXX during that time. Under the waiver, I knew that I was eligible for forgiveness, so I submitted an ECF on XX/XX/XXXX and was transferred to Fedloan by the end of XXXX. During the transfer period, I learned that I could request a refund of payments made on direct loans during the Covid forbearance, so I contacted Fedloan to ask for the refund in XX/XX/XXXX ( as soon as my information had transferred to them ). They said that they issued the request, and within two weeks the balance of my student loans increased by the approximate refund amount ( around {$4200.00} ). 

XXXX months later, in XX/XX/XXXX, I still had not received the refund, so I spoke with a FedLoan agent on the phone. They assured me that the request had been submitted, but could take up to 120 days. 

In XXXX, I called and spoke with another agent who assured me that the request had been submitted, but could not be sure when the refund would be issued. 

On XX/XX/XXXX I called again to check on the status of the refund. The agent said that the request had been filed, but the refund could take 6-9 months.

I want the refund of payments that I voluntarily made on direct loans during the Covid pause. It shouldn't take more than five months to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
My account with One Main Financial was closed nearly a year ago. Paid in full. XXXX balance. 

This morning I woke up and One Main had charged me {$570.00} out of my checking. I called one main customer service and they had no way to track it. Luckily, the members name was on my ACH draft. They looked the member up and my banking information was on his account but they also had his banking information. 

One main committed negligence and personally damaged me financially. This is no small mistake. My account has been closed for nearly a year. How do you still have my banking information? How is this secure? What security measures are in place? This was unauthorized fraud and negligent. Now Im wasting my time, money, and energy trying to get my money back that was negligently took out of my account. How does this even happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I submitted a dispute on XX/XX/2022 with XXXX regarding 4 collections on my credit report because I wanted to know what they were. Three of them are from Phoenix Financial all for the same amount of {$980.00} and the other is from XXXX XXXX XXXX in the amount of {$1400.00}. Not only did I not receive information on these collections but they were all added again to my credit report! So what started out as 4 collections is now 8 and were added on the exact date that I filed the dispute! There are now 2 for {$980.00} acct num ending in XXXX, XXXX for {$980.00} acct num ending in XXXX, 2 for {$980.00} acct num ending in XXXX for Phoenix Financial and there are 2 now for XXXX XXXX XXXX for {$1400.00} both ending in acct num XXXX. I then disputed those and got nothing. I told them they were duplicates and still nothing and I don't even know what they are for. So aggravating! Don't know if this is a problem with XXXX or the creditors but need this fixed! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a account with Citibank on XX/XX/2022 they send me a alert that my account was placed on hold to give them a call so I called them and the representative told me to allow 24hrs and I should be able to have my account back so I have called every day and all the representative have told me the same thing to give them 24hrs is currently XX/XX/2022 and no one has answered my questions and my account is still on hold I spoke to a supervisor and she told me theres nothing she could do but doesnt tell me h th e reason thats all the money I have so I had to call off cause I had no money for gas I also have XXXX kids XXXX  custody and I cant buy them anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
This collection company below is a fraudulent account that is reporting to my Eperian credit report. Im requesting this account be deleted from my credit report immediatley Date Opened : XX/XX/XXXX from XXXX  XXXX XXXX XXXX AMOUNT OF COLLECTION IS {$2000.00} BALANCE UPDATED ON XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: GA

Complaint narrative:
An inquiry was made on my consumer report on XX/XX/2022 from USBancorp. This was a result of identity theft. I have attached a utility bill, W2, and an FTC Identity Theft report.

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