vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: TX

Complaint narrative:
I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; Equifax - Frozen XXXX - Frozen XXXX - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/2023, I requested my consumer reports from Lexisnexis and received a notice that I didn't upload enough information in the online request even though the data matches all my details and there are no fields online to upload documentation. I was denied access to my consumer report and was sent a stalling letter claiming that Lexisnexis was " unable to process request ''. 

On XX/XX/2023, I requested my verified and unverified consumer reports from Lexisnexis and they sent me the unverified records that do not give me full access to my consumer record and or details maintained within their database. I am being denied access to my own information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XXXX XXXX knows that credit is HIS right and XXXX XXXX also knows that reporting to consumer reporting agencies by creditors is voluntary, please see attached CFPB article from XX/XX/2012. The information that NAVY FEDERAL CREDIT UNION saw on the report that was received from XXXX, XXXX XXXX didnt consent to it, and it was unvoluntary, XXXX XXXX transactions are done in good faith, and they are private transactions. This was unfavorable to XXXX XXXX, but nothing under adverse action gives NAVY FEDERAL CREDIT UNION the right to deny XXXX XXXX credit. XXXX XXXX credited this transaction as a creditor with his credit card, 15 USC 1602 ( l ), this was a credit transaction from his credit card. NAVY FEDERAL CREDIT UNION has committed a crime, the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. NAVY FEDERAL CREDIT UNION has benefitted from the use of my credit card, but XXXX XXXX has not. NAVY FEDERAL CREDIT UNION ran XXXX XXXXs credit card and received the credit, but XXXX XXXX has no access to nor did XXXX XXXX benefit from the XXXX NAVY FEDERAL CREDIT UNION received. In your adverse action letter, it mentions the Equal Opportunity Credit Act, XXXX XXXX has been discriminated against because XXXX XXXX exercised his right. The right that XXXX XXXX exercised is his right to credit but NAVY FEDERAL CREDIT UNION discriminated against him because of some score that is not backed by law and is a part of a voluntary system that XXXX XXXX has not consented to. XXXX XXXX is writing this letter to attempt to cure this adverse action with reasonable procedures to rectify the transaction and to compensate me for the use of my credit card in the amount that he is requesting of, {$5000.00}. Failure to provide the response requested within 7 calendar days will constitutes as NAVY FEDERAL CREDIT UNION acceptance the offer to compensate me in the amount of {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have an unauthorized charge through Paypal. Paypal failed to assist me with the fraudulent charge. I have tracked down what I can regarding the charge from Paypal and emailed the merchant who charged my card to which she claims that they never charged my card. Paypal has not been any help to this charge initiated by them. I emailed XXXX several times. I have attached my email correspondence with her and the information that I received from Paypal. I never placed or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because her email is XXXX XXXX but she claims that her website closed in XXXX but will check with the person regarding them charging me on XXXX  ( XXXX ). I reached back out to XXXX again today to which she claims that " the girl '' contacted me on XXXX. No one contacted me. I have asked several times who is the person who runs the site and who is it that charged me. This claim is not valid as nothing was delivered to me. This is a total scam and Paypal did not due any due diligence in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MD

Complaint narrative:
Initiated a money transfer to a friend in XXXX on XX/XX/XXXX via XXXX XXXX XXXX online services ( Continental Exchange ). However, you he transfer for rejected as well the account closed the same day. The money from my bank account was taken immediately. When I tried to get the refund of my USD back to my bank account it was not returned at the time of this complain. Please help me get my money back soon and also get me compensation for the damages caused by all the issues. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I got 6 emails this morning, XX/XX/2023 describing the opening of a bank account in my name with my email. They then changed signed up for mobile banking and changed the email with the account. I then looked into what to do and came here.

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 2023-04-06 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: IL

Complaint narrative:
15 USC 1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My business account being charged a business analysis fee monthly by Regions bank when open document nothing is there and I have asked and asked why and there is no report. I was told that's a report and fee charged to all business

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 2023-04-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.

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 2023-04-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.

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 2023-04-06 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2XXXX I used the Chase ATM on the street. On XXXX XXXX XXXX XXXX XXXX XXXX, the phone showed Chase Bank, called me and claimed that an unauthorized transaction happened. The woman on the phone said she was the staff of Chase Bank and had all my information ( including address, account number, etc ). She said she is trying to help me. Then at XXXX, there are three ATM transactions happened. I called Chase Bank fraud apartment immediately. Chase Bank gave me temporary credit and began the investigation. On XX/XX/XXXX Chase Bank closed the investigation and believe that the transactions were correctly processed and authorized. They will remove the temporary credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I will try for numerous months to get this off of my credit report. Someone is using my credit information to open accounts. They never give me any information except the balance in a cheaper payoff price

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Freedom Mortgage Company
State: IN

Complaint narrative:
I spoke with and applied for a forbearance with Freedom Mortgage on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana XXXX and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana 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 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
XXXX sold off thier mortages to Rushmore Loan Mgt services XX/XX/XXXX. In XXXX i complain by phone after they raise the escrow without notification. I considered the calcs wrong. Sent emails in XXXX same complaint. Called XXXX for two things to complain about no action and also that preseent home insurer XXXX will be replaced by XXXX In dec. Wrote a email XXXX or XXXX to complain about lack of customer service, no return calls and lack of action. On XX/XX/XXXX unknown to me they payed XXXX before due date. Only found out after i look in XXXX after XXXX  submitted thier bill. Wrote another email to inform them they paid the wrong insurance company. XX/XX/XXXX my XXXX was showing 30 days overdue. Again i wrote thier need to correct thier mistake. They finally paid XXXX at the end of XX/XX/XXXX or beginning of XX/XX/XXXX not sure presently. But they refuse to correct thier mistake which is over XXXX dollars to my escrow. Basiclly sent me a form letter on XXXX, XXXX, which is postmarked XX/XX/XXXX and recieved by me XXXX where they state this is my fault completely and obiviously my escrow is now missing money and short which they expect me to pay for. 
They violated std escrow law where they have to notify of changes which i have the right to address at the moment. Second they violated fudiciary respondsibility by using MY money to purchase unauthorized insurance thus having me pay for two different home policies which is also against the law. I look at that unauthorized use of my money as theft which is a felony. Thier refusal to except fudiciary respondsibilty, lack of proper supervision of my account and lack of proper customer service has lead to months of distress on our part. My plan is to also notifify the states of Illinois and California of thier complete lack of fudiciary respondsibility. Plus if needed we plan on turning this over for legal action to the proper authorities and lawyer. You will also find out NEVER, again Never have had any problems with this in over 20 years, only after they took over. Also Im not even required to have a escrow since over 65 % of my loan is paid. This company needs to be held accountable for a complete lack of accountablity. The escrow account is my money not thiers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
Company : Acima Leasing Date of Purchase : XXXX  Details : I purchased auto equipment for my vehicle from XXXX XXXX, which is the company that sells the loan programs for the company. When I went into the store I was fully prepared to purchase the equipment out of pocket but after pushy antics from the store representatives I was forced into a contract with Acima. 

The representative texted me a link and walked me through each step and explaining each step. I trusted what the person was saying and followed through with it. After, he took my keys and said come back in 3 hours. 

Fast forward, 4 months, I get a call from the company advising that I missed a payment. I got a new debit card and forget to update the information with them, so I did it and proceeded the payment. After processing the payment I was informed that I still had a balance on the amount that was more that the loan amount. I asked the rep how XXXX went all the to tell a supervisor who then told me he didnt have a boss and there was no one else to speak to. 

I advised no one told me about any of this and demanded more information about how this was not ok. I also advised i would give everything back if I could get my money back. So no help. So here I am trying to figure out how this is ok and how I can only be held responsible for the cost of the equipment and not the triple charge of the cost of all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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:
On XX/XX/2023 I sent out a letter to TransUnion challenging the inaccuracies on my report. TransUnion sent me a letter stating that I was not the one submitting the disputes which I felt like a tactic to prolong this issue. I read that they have 30 days to reply to my dispute. This is bad business for their company and I am now frustrated. TransUnion is in violation of reporting one account with multiple unverifiable information. I have the proof attached. You will see that all three bureaus have the same account but all reporting different information. This is wrong and I know they are not supposed to do this. All information should be the same. There are multiple accounts that need to be reinvestigated immediately and I look forward to the cfpb helping me resolve this issue with this creditor. And if indeed these accounts are verified, I need the verifiable proof. Thank you for your time in this matter.

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 2023-04-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I had three cards with Citi that were closed by the bank in XX/XX/2018. All three cards had cash rewards or Thank You points that were taken by Citi and not paid back to me. 

I signed up for these cards based on their marketing material that indicated I would receive those cash rewards to Thank You points for making purchases with those cards. By closing my account and not returning to me those rewards, Citi was deceptive in their marketing.

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I tried to call collections to see when the account started and what items where purchase and wanted to know the agreement and if it was purchased online or in store because I didnt make the purchase but my info was used they couldnt provide me that info all they could do is offer me a reduced price to pay since my info was used but couldnt give me valid info i needed to find out who and what was purchased!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I Was A Victim Of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have a medical collection that was report on XX/XX/XXXX for {$5.00} that was added to my account by Paragon Revenue Group which has impacted my credit score. I have been to the Dr since XXXX of XXXX with no balance being due and now this was added to my credit.

Company response to consumer: Closed with explanation