vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made settlement arrangement with XXXX XXXX XXXX  and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with XXXX XXXX XXXX not following through and reported these as paid. Experian is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reached out to the CFPB pertaining to this issue about 2x already and this is going on the third  month in which, after this I will reach out to the attorney general and look to pursue legal counsel against Equifax and XXXX. They are solicitating information against my email in which the debt that is listed on my credit report in which there is no $ owed the account under XXXX XXXX is not even under their management. My information was sold and this account was given to XXXX XXXX XXXX XXXX with my consent or permission and there is no debt owed. Therefore, this company illegally gave along my information to XXXX in which no debt is owed as pertaining to this document and XXXX  is on my credit report in which they according to the document " we do not have access to the current owner 's account information, and therefore the above information may not reflect the current status of the debt, which is no longer owned by XXXX XXXX ''. Therefore, these two credit bureaus XXXX  and equifax are holding information that they are reporting verified as accurate aganist my will which is incorrect! I need this fixed ASAP! as this violated 15 USC Code 1681 ( a ) ( 2 ) ( B ), the Truth in Lending Act 15 USC 1602 ( g ), and 15 US Code 1692 ( a ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: FL

Complaint narrative:
I was in prison from XXXX until XXXX. During that period someone used my personal information to open many accounts. All but one account ( XXXX XXXX XXXX ) has been removed from my report. The supporting documents clearly show that I was in prison. A XXXX search would also verify that I was in prison. I have disputed this item no less than 6 times and have shown XXXX that XXXX XXXX XXXX ( XXXX ) is acting in bad faith. XXXX has even tried to extort me, stating that if I gave them {$3000.00} they would take the entry off my credit report. I shared this information with XXXX and Experian. Both reporting agencies say there is nothing that they can do, that XXXX is basically in charge here and they won't take it off unless XXXX approves. A law is being broken here. Neither XXXX or the reporting agencies will provide me with the proof that I personally rented this apartment. They are relying on information used by an identity thief who had all of my ID. I would like the XXXX entry removed from my report and would specifically ask that both reporting agencies be reminded that they have a responsibility to both consumers as well as those that pay them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
Usaa savings bank settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX XXXX  XXXX  settlement accepted XX/XX/XXXX 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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My XX/XX/22 statement reflected a balance subject to interest ( non-promotional/revolving ) of {$0.00}. My total balance was split between promotions. The statement states in the How to Avoid Interest section : If you pay your account, or Interest Saving Balance, in full each month by the due date you will not get interest. It states that the payments are applied to higher APR balances first. After my XX/XX/22 statement cycled, I paid {$700.00}. I also purchased new revolving merchandise. When my XXXX statement cycled I was billed a {$5.00} interest charge on the unbilled revolving balance. 

I have been advised that there is no grace period on revolving purchases when there is a 0 % APR Balance Transfer on an account. I have been advised that I can not reallocate payments to the revolving balance. I have also been advised that as long as there is a 0 % APR Balance Transfer on an account customers will receive an interest charge on the revolving balance, even if they pay enough to cover what the total was. This seems illegal. There is no way for a customer to save interest charges from compounding unless they pay their Balance Transfer in full ( which has the lowest APR ). Payments are being forced to a 0 % APR balance when there is a higher APR balance. In addition, unbilled revolving purchases are being taken into consideration for interest calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX, I accepted an offer from Sams club for their Sams Club rewards credit card. The card promised cash back for purchasing items such as gas ( 5 % back ) and restaurants ( 3 % ). By about XX/XX/XXXX, I received an e-mail correspondence from Synchrony Bank, the card issuer, that my accumulated reward balance was {$150.00}. I contacted Sams club and they informed me that the only way to redeem the cash back balance was to travel to a retail Sams club location and present the physical card to the cashier in customer service and a cash disbursement in the amount of the stated reward cash balance would be paid to me. 

On XX/XX/XXXX, I traveled to Sams Club, in XXXX, NY, and presented my card for the {$150.00} cash back redemption and the cashier told me that it was already redeemed sometime in XXXX of XXXX. I was told by the representative that my card would have had to be present in order to receive my cash reward. I told the Sams Club customer service representative that I have not been to any Sams Clubs in XXXX of XXXX and my card never left my possession upon receiving it in the XXXX Mail and that the reward balance was not paid to me. 

While I was still at Sams Club, I contacted Synchrony Bank to try to resolve this issue. The Sams Club representative then verified to the representative at Synchrony Bank that I was not at any Sams Club in XX/XX/XXXX, based on their electronic records. They advised that they thought the card may have been compromised and said they would send a new card to me with a new account number and research where the cash reward of {$150.00} had gone. 

Numerous additional calls to Synchrony Bank on XX/XX/XXXX and XXXX and again on XX/XX/XXXX resulted in Synchrony Bank blaming Sams Club and vice versa. Synchrony Bank stated that they will have an answer by XX/XX/XXXX. After stating to me that a representative would call me back, they never do. 

I then called Synchrony Bank on XX/XX/XXXX, and they had no resolution to my issue and again, Synchrony Bank was blaming Sams Club and vice versa. It was clear to me that after several hours on hold and speaking to countless representatives from Sams Club and Synchrony Bank, over the course of a couple of months, the bank or the Club would not provide a resolution to my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: AR

Complaint narrative:
I have submitted a letter of validation to Trans Union Credit Reporting Agency for validation on several accounts on my credit report and the company has not furnished the validation but they continue to report the accounts on my credit report. This has been on ongoing problem dated as far back as of 2021 to get the company to valid the accounts. As you can see from the letter attached the court system does not report to third party reporting agencies and in Trans Union response they do not show how the information was obtained or from whom the information was obtained from

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and 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 an account without my written instructions.

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and 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 an account without my written instructions. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Money Tree Lending
State: WA

Complaint narrative:
I get calls in the early morning and after XXXX pm from multiple different number from all over the country

Company response to consumer: Untimely response
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/2022, I hand-delivered a personal check made out to XXXX XXXX XXXX, XXXX in the amount of {$10.00}, XXXX. The check was given to XXXX, a representative of XXXX XXXX XXXX, at their office ( XXXX XXXX XXXX, XXXX CA XXXX ) as a deposit for construction options. I was later informed that XXXX put the check in the mail at a post office in XXXX, CA to be sent to their corporate office after receiving it. 

My check was deposited into an account held by Bank of America and subsequently cleared on or about XXXX XX/XX/2022. The image of the deposited check was not immediately available. However, on XXXX XX/XX/2022, I noticed an image of the check was available. After viewing the image of the check, I noticed that the check had been altered such that it was made payable to " XXXX XXXX XXXX. '' Additionally, the memo on the check had been altered from " Options deposit '' to " # XXXX ''. 

I do not know XXXX XXXX XXXX and am opening this claim to request your assistance with getting my money back. Although I submitted a claim with XXXX XXXX  Fraud department on XXXX XX/XX/2022 ; their response was that they are not responsible for returning my money. Rather, they claim, that Bank of America, the bank where the fraudulent check was deposited is responsible for returning my money. XXXX XXXX  also stated that they sent a letter of collection on my behalf to Bank of America for {$10000.00} but that Bank of America has not responded. Further, XXXX XXXX  indicated that if Bank of America does not respond to the letter of collection within 90 days of its remittance, they will close my claim and I will not receive my money. This is unacceptable as I believe Bank of America and XXXX XXXX  knew or should have known the check in question was fraudulent. 

I am in desperate need of help! I am on a very tight schedule and need the money in question back so that I can purchase a home. If I do not get the money back soon, the rate lock with my lender will increase and I will no longer be able to afford to purchase a home. Further still, housing prices at their current rate of increase will be priced out of my reach if I do not purchase the home I have selected within the proscribed period. 

Please assist me by encouraging Bank of America to respond to the letter of collection sent to them by XXXX XXXX. I would also appreciate any and all information about the transaction giving rise to this request such that I may share it with the City of XXXX, CA police department to aid in their investigation of this crime. 

Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX 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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022 Bank of America placed my business checking account in a credit only status to where I could receive payments from my clients however I cant withdraw or use my debit card or write checks out of my account. I never received any notice in the mail about this. I was told this information when I went inside the bank to do a transaction to pay a vendor for business that I couldnt do the transaction. Inside the branch I could get no help because they are saying they have no idea why or how this happened. So I was told I have to call Bank of America back office for help. So everytime I call they wont speak with me over the phone they are telling me I have to go inside a branch and have the branch call on my behalf. So I go inside the branch everyday to get help and they told me 3 to 5 business days to have my account back to normal however it has been over 13 days at this point. Bank of America is stealing my money at this point. My truck payments are due for my business which I cant pay because of this. My kids I cant feed them because of this, I have no money to live because of this, I have nothing and Im losing everything and Bank of America isnt helping. I have been inside the branch speaking to a manager XXXX XXXX XXXX in XXXX Georgia XXXX Email : XXXX The name of my business is XXXX XXXX XXXX XXXX located in XXXX Georgia. At this point I just would like to close my account with Bank of America and have my funds released to me before I lose everything I have behind this because I have no access to my funds! They have no right. They didnt inform me any of this! I need help! Please help me please.

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 monetary relief
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
XXXX XXXX XXXX  settlement accepted date XX/XX/XXXX Jpmcb card services settlement accepted XX/XX/XXXX XXXX XXXX  XXXX settlement accepted XX/XX/XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Lendmark Financial Services
State: OH

Complaint narrative:
Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
XXXX XXXX XXXX  settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX  financial services settlement accepted XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account has been closed without a clear reason that shows the violated policy After my friend sent a small amount of money to my wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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:
I recently received a copy of my Experian credit report. The credit report shows an inquiry that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance, Employment, Court Order. Please delete the following unauthorized inquiry immediately XXXX XXXX XXXX - XX/XX/2021

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