vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: WA

Complaint narrative:
In early XXXX I called Netspend Bank to close my banking account. I requested all funds to be mailed to me. This did not happen. I called back on XX/XX/XXXX. They had not closed my account as they told me they would. I requested a second time for the account to be closed and a check sent to me with the {$1000.00}. I gave them my address for the check to be mailed to me. I was told that I would recieve the check within 7-10 business days which would have been XX/XX/XXXX and XX/XX/XXXX. As of today I have still not recieved my money. I called back on XX/XX/XXXX at XXXX. The CSA told me that {$25.00} had been sent back to the orginial depositer, {$970.00} to another original depositer and that {$49.00} was still in the since closed account with them. Both the {$25.00} and {$970.00} were sent to bank accounts that belong to my wife and have since been closed. At this point I have no idea where my money is. The CSA gave me a tracing #. I have no idea how to even use this number to find my money. While on the phone I was transferred to a superviser and was then disconnected and hung up on after dealing with them for over a half hour. This bank has essentially stole my money.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX  XXXX XXXX Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been fighting with XXXX XXXX This account was opened without my knowledge in XXXX since this account has been charged off in XXXX, every month they report late payments, and report the account is open When i place a dispute i get an alert that the account has now been closed. then the next month it is opened again. 

XXXX XXXX has been reporting incorrect information on my credit report and i asked for an original signature that I signed to open this account, proving this account belongs to me and they have yet to send to 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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing 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 explanation
Consumer complaint received 2022-05-16 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act Transunion, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a 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 2022-05-16 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: FL

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. 

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXXXXXX XXXX, Account # XXXX 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 2022-05-16 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:
In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) -XXXX XXXX # XXXX -XXXX Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX states I have a right to privacy XXXX XXXX XXXX XXXX XXXX  XXXX states consumer reporting agency can not furnish an account without my written instruction and/or consent.

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 2022-05-16 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased 2 concert tickets for an XXXX XXXX concert in XXXX, Washington that was supposed to take place on XX/XX/XXXX. The charge of {$380.00} was posted to my XXXX XXXX on XXXX XXXX, XXXX. The tickets I purchased were supposed to be electronically transferred from XXXX ( the online website, a 3rd party ticket resale organization supposedly that I purchased them from using my XXXX XXXX ) to my XXXX app on my phone or XXXX. And there is the problem. The 2 tickets have not shown up in my XXXX app. As the date to the concert came near, within a week, I made numerous attempts to contact XXXX  by phone but was put on a never ending hold to the point I would hang up. I then started reaching out to them be online chat and got through. Each time they said they have sent me the web link that I was to click on and that would start the transfer of the concert tickets to my XXXX app. Every time I did this an error message comes up on my tm app that says, oops, something went wrong. I finally got in contact with XXXX, and they repeatedly have told me that no tickets have been transferred to my account or app. One time they told me XXXX had cancelled the transfer. I have filed 2 complaints with XXXX. In my 2nd complaint after losing the 1st complaint, I mailed 10 pages of copies of emails and online chats with the 2 companies, showing I have never received the concert tickets. I strongly believe I should not have to pay for something I did not receive. Bank case Id is XXXX. My transaction number with XXXX is 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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I received a collection letter from amsher collections in XXXX. I sent them a letter in XXXX stating I am not confirming or denying the debt I am asking them to verify the debt. I did not receive any supporting documentation that verify this is my debt. Amsher placed a collections on my credit report XX/XX/2022 without any validation of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CT

Complaint narrative:
TRANSUNION is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. TRANSUNION is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give TRANSUNION a written notice to report on my behalf. TRANSUNION is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

TRANSUNION is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card, can result up to a XXXX fine.

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Debt was collected due to a lease impacted under the COVID-19 pandemic. The start of the pandemic congress passed the CARES ( Coronavirus Aid, Relief, and Economic Security ) Act, which prevented landlords of certain residences nationwide from evicting tenants from XX/XX/XXXX to XX/XX/XXXX. The protections were actually extended for over a yearuntil the Supreme Court decision ended it in XXXX, XXXX. My lease was affected under the dates and left the premises during the moratorium effective dates.

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 2022-05-16 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: LA

Complaint narrative:
XXXX XXXX has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, XXXX is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through Experian have resulted in the information continuing to appear in the account.

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
. I was going over my consumer report. I saw that I had a collection by National Credit Systems, so I sent a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting notice. They responded with a letter saying that they adjusted the debt due to their investigation which brought the alleged debt from {$4500.00} to {$2000.00}. Which mean they were furnishing misleading information according to the FDCPA in the beginning. Furthermore, attached to the letter was a summarized resident ledger from the alleged original creditor XXXX XXXX XXXX showing that account was paid off on XX/XX/19. In North Carolina, the statute of limitations for automobile loans, installment loans, credit cards and promissory notes is three years. The account # XXXX is still showing on my consumer report. It is a fact, National Credit Systems has been reporting false, inaccurate information on to my consumer report which has caused me and my family severe harm and damage my reputation due to negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was going through my statements and noticed that I was double charged for {$200.00} on XXXX at the same time from some place in XXXX. I contacted Chase and said that I did not recognize why there would be double charges and that I was unable to contact the vendor. They sent me to their fraud department. After speaking to them Chase refunded me both {$200.00}. In XXXX I had to cancel my card due to a totally different issue. Then in XXXX, after my card was closed Chase contacted me and told me that they didn't believe the charges to be fraud and replaced the charges. They claimed that I called it fraud and I had to file it a dispute. I tried three different times to get transferred to someone to file a dispute of these charges, only to be kept on hold for over 30 minutes till I just hung up. I finally got through to someone, only for them to tell me that it is too late to file a dispute ; that the time limit has run out. I contacted Chase in a timely manner to bring this issue to them. They delayed it. Only after writing a letter to the XXXX XXXX XXXX  did someone from Chase contact me. However the still would do nothing. I asked them what could possibly be reason my card was charged twice, at the same place, and for the same amount within minutes of each ; also, if the chargers were true, where was a copy of the two signed receipts. They just gave me the run around and said that they would simply not help and I was responsible for the double charge. Chase never had any intention of helping. Their claims of consumer protection are obviously fake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX PM at XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, I purchased shoes for {$140.00}. I was never given a receipt for my purchase. The shoe size was incorrect. Asking for a return from the manager was denied because " they have no proof of purchase ''. I asked how I was supposed to provide proof of purchase when they denied me the means to provide it ( no receipt ). Manager could not answer, my return was denied. 

I reached out to my Apple Card XX/XX/XXXX to open a dispute. I needed a copy of my receipt in order to transact the refund. Apple stated they will begin investigating right away. They requested documentation proving I reached out to XXXX XXXX to resolve the issue. I submitted phone logs showing multiple conversations with XXXX XXXX where they explain the will resolve my issue and contact me at a later date. I call 4 separate times, on XXXX, XXXX, XX/XX/XXXX and XXXX at XXXX XXXX corporate number ( XXXX ) XXXX. 

Apple Card gave me receipt after 90 days, and refused to elaborate further as to why it took the company over 90 days to produce a copy of the receipt. Apple  refuses to explain why they did not provide the receipt, nor do they give a reason explaining XXXX XXXX lying and explaining 4 separate times that someone would reach out. 

On XX/XX/XXXX, I spoke with an Apple Card specialist for an hour and explained that there is nothing I can do. I explain to him the multiple laws stating that is it illegal to refuse a receipt in purchases, but the Apple Card rep did not seem aware of laws. I've wasted hours of my life trying to explain to Apple how fraud works.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: FL

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 XXXX5 USC 1681. 

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX  XXXX XXXX, Account # XXXX 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 2022-05-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 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 2022-05-16 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX, Experian, XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a 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 2022-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I contacted Penny Mac Mortgage because was getting my house refinanced on XX/XX/XXXX. When I went through the automated to check my insurance dates it said that I had an XXXX home insurance policy and that it was still good. When I called XXXX to get a declaration page for the new bank, they informed me that my policy did not renew in XX/XX/XXXX and they sent XXXX XXXX a letter. Hence, they advised that I was sent XXXX too. I told them during the covid pandemic, last year there was a time I did not get mail. On XX/XX/XXXX, I contacted XXXX XXXX back and they advised they received the letter from the insurance company and did nothing. I could not get any insurance no matter where I called due to a lack of coverage for almost a year. After getting insurance from the Virginia Plan which does not include but XXXX in personal property, there is nothing else I could get. On XX/XX/XXXX, I spoke with XXXX XXXX who is a supervisor. She researched everything and advised that her company was liable and that she would reimburse the {$1800.00} that Penny Mac charged me for the lapse in coverage and assist with the personal property coverage. She told me to give her some time and she would give me a callback. After failing to reach her for several weeks, I asked to speak with her supervisor on XX/XX/XXXX and she took my call. She advised that her supervisor approved the request on XX/XX/XXXX and went on for final approval and was denied on XX/XX/XXXX by XXXX XXXX. The reason being is they are not responsible to notify me when insurance is lost.

Company response to consumer: Closed with monetary relief