vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I do not have a M & T Bank account, yet I keep receiving numerous spam texts saying my M & T Bank account needs review. This text I've just received led me to a link ( which I've followed on my PC in VPN and hidden IP mode ) which looks extremely suspicious. The number that texted it is XXXX, and the website address they say to follow is XXXX XXXX XXXX It has " login '' details to enter, but I'm 100 % certain it's just a puppet page that logs the information for more scammers to use. Again, I have no account, so nothing happened to me, but this looks like a very easy situation to fool anyone with a M & T Bank 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 2022-01-03 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:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my 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
Consumer complaint received 2022-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, Equifax, And XXXX have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I opened an account online with Chase after being told to do so after attempting to open in person. I used the 'open new account ' link shown below the {$220.00} bonus offer for new checking accounts. I have met all criteria and waited beyond the advertised time to receive bonus. Customer service has given me the run around and opened a ticket but they are bullshitting as each new rep has a new or different excuse as to why I haven't received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A XXXX  card was opened to my name, I did not apply nor use one and I keep getting calls of XXXX XXXXredit card every day. Also a wells fargo credit card i applied to in which i never received the credit card was used in which i keep getting calls of as well. There has also been XXXX accounts with my SSN, i tried to make an XXXX account & it said I had a profile already and i pressed to see what email was used to make it & it was a XXXX account, i dont have a yahoo email nor i made a affirm account. This has happened before when I was smaller someone was using my SSN to work at a Job which I wasnt aware that had happened until now.

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I purchased a blue XXXX XXXX  ( XXXX  XXXX ) for my daughter 's XXXX present. When doing so I opted to sign up for the apple card. Everything was great. 

On the day of delivery I get a notice saying the driver attempted to deliver the product but no one was home. I was home and have ring video surveillance on my home and can prove no car ever approached my home or address this day. So the product was returned to the store. I then called XXXX  to see if I could go into the store and pick up my product. They told me that I couldn't and would have to follow the instructions provided to me which were to wait and the money would be refunded in N days. 

I believe XXXX never had the XXXX in store or if they did it was sold to an in store customer. They should have better control of their inventory especially since this was the carrot used to open this Apple Card account. 

Either way I was going to get a refund so I didn't care. Then the other day I get an invoice for my Apple Card saying I had about a {$27.00} balance. So today Monday XX/XX/XXXX - I called Apple Card up and found out that XXXX did credit the money back to an account but it was my XXXX XXXX account and not my Apple Card account ( the one I used for this transaction ) I was never provided a choice of how I wanted these funds back and by providing them on a different card they left me open to incur purchase charges. There is also an additional {$4.00} charge on my account they are unable to tell me where the charge came from.ff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My mother ( XXXX ), had sent a $ XXXX payment to a XXXX  I no longer have access to due to someone stealing my bag, phone, and ipad in the midst of being homelessness. During the period of my housing instability. I had fallen behind on phone payments leaving me unable to recover any and all accounts registered with that number. This person must have changed the phone number linked to the account because I do not recognize the number that it shows ending in XXXX. XXXX has refused to accept any and all forms of identification including social security card, state id, birth certificate, bank statements, XXXX identity theft forms, etc. And refuses to cancel payment and issue a refund to my mother. This has been ongoing for 4 months and they ultimately have stopped responding to calls messages and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
( 1 ) opened 1 safety box on XXXX, box number # XXXX, {$51.00} service fee to be waived for premier customer ( 2 ) had problem with the keys, closed # XXXX and opened a new box with box # XXXX on XX/XX/XXXX ( 3 ) I have everything auto pay and accounts linked as premier customer and believed 1 safety box I had should be free of charge from the waiver ( 4 ) but while talking to customer service, they found that there were 4 charges on my account XXXX : {$51.00} XXXX : {$51.00} XXXX : {$51.00} XX/XX/XXXX : {$51.00} ( 5 ) also they found that the safety box # XXXX was still assigned for me and not closed properly causing those fees Bank of America made error by charging me for the safety box I no longer have ( 6 ) asked them to refund overcharged 4 of {$51.00}, {$200.00} but the lady said I have to visit branch and explain and ask to see if they can do something I made many phone calls for long time already and bank of America is being negligent and irresponsible again over their old negligence I want my {$51.00} X 4, {$200.00} back Person I spoke : XXXX at customer service XXXX at Safety box department in XXXX XXXX Person who refused to help further and sending me back to the branch : XXXX XXXX XXXX Officer & Proficiency Coach Complaint # : 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 monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
This company has unlawfully repossessed and sold the vehicle. The vehicle was repossessed in XXXX. This company continues to report fraudulently using my data in violation pursuant to 15 USC 1681A ( 2 ) ( b ) by furnishing an account that was created from my credit card or similar device and continues to use my credit card data in unauthorized factions that I never gave permission directly or indirectly. This company is advertising that I alledgedly owe when I do not. There is no debt sold because the product has been sold. CNAC is violation of 15 USC 1681B for furnishing a consumer report without my consent. They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through mail as well as aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reached out to Experian several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
XXXX XXXX said they did not report it as late payments. 


Also XXXX XXXX XXXX, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall XXXX and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have reached out to XXXX several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
Chase auto said they did not report it as late payments. 


Also JPMCB Chase Auto, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall chase and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days an I haven't received any investigation results.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
During travel our USAA XXXX credit card was stolen and was reported once noticed and determined charges were made that we not made by us. Once reported, USAA placed a credit on the account for the charges and not additional information contact regarding this fraud occurred. 

In XXXX of XXXX, the six charges were then charged back on our statement. We then immediately called re-reported these as fraud and asked why these were charged backed- no reason was given. On one call several days later they were calming that we said the charges were valid which was not correct. What we believe happened is several days after the card in question was reported, closed and the credit issued, USAA block charges on another one of our cards on the account and we called in to have that card reactivated ( a different card than one that was reported ) - We sent a letter on XX/XX/XXXX ( confirmed by USAA that they rec 'd on XXXX ) review these details. 

We called back on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX and in all cases spending long periods of time and speaking to multiple people who said they would research, and we would get a resolution in XXXX calendar days. To this date we have not received and call or any correspondence including any response to our letter sent in XXXX XX/XX/XXXX XXXX XXXX XXXX$9.00} XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXXXXXX XXXX  {$49.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Transunion XX/XX/XXXX Dear Credit Bureau : I have a few questions about several inquiries on my credit report. Is it true that in order to pull someones 's credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report WITHOUT MY AUTHORIZATION? In my last dispute, i asked for the unknown inquires to be verified and my request was ignored. I DID NOT AUTHORIZE THESE COMPANIES TO CHECK MY CREDIT FILE. 

Creditor : XXXX -- Inquiry Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX From my understanding, this is against the law!! I did not authorize these aforesaid companies to pull my credit report, PLEASE DELETE THESE INQUIRIES TODAY!!!!

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 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I have tried multiple times to communicate with I. Q. Data international , inc and have never had any dealing with the company neither do they have any written contracts to verify this debt. I have also paid the debt with hopes to having it removed From my credit report because I am in the process of buying a home They have yet to remove the debt and it's hindering me from obtaining other credit. Please have the companys to remove this inaccurate information immediately. I. Q. Data international , inc Is in violation of multiple fair credit protection act laws.

1681b. Permissible purposes of consumer re- ports 1692b Acquisition of location Information 1692d. Harassment or abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Heritage Financial Group, Inc.
State: AZ

Complaint narrative:
XX/XX/2022 Always every day! Been going on for 20plus years. No XXXX or CFPB has ever made Heritable accountable for their actions. 

Management trains employees to hide documents that would otherwise print off during a legal court proceeding. 

Management requests employees email when they need account notes deleted. Examples would be. Notes documented during a call with a customer. But management doesnt want those notes seen for possible legal action. 

Management trains employees to cut off the date listed on any authorization sheet the customer gave Heritage a signature on. 
Prior to sending for proof of verification. 

Examples : To verify information such as Employment, rental information. Mortgage information. Utility verification. On any customer. 
Management is vindictive. She picks and chooses what customers can pay to avoid garnished. And what customers get garnished even if they are paying. If management is having a bad day. That. Bad day is then taken out on the customers. And there account. Some customers get promo offers. And others are denied promo offers. On any same given day. No consistency, or fairness taken place behind Heritages doors. This company needs looked into. 

This company has proven to be unlawful unhealthy Undo stress to me and Many others others unwelcome in the work place behavior They have many dark scandalous Skeletons in the company closet!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is regarding a Chase XXXX XXXX credit card. I had made an air ticket purchase in XXXX and have closed this credit card since ( closed in XXXX ). Due to the pandemic I had to cancel the tickets and process a refund with the airline. I have been informed by the airline that the refund has been processed and the refund credited to the closed credit card. Four tickets total were purchased. The total amount of refund is ~ {$4800.00}. Since the Chase customer service representative was not able to find this credit card in the system, I was directed to ask for customer support assistance. I have not received this reimbursement to date ( XX/XX/XXXX ) and it has been close to a year.

Company response to consumer: Closed with explanation