vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account # XXXX  XXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XXXX XXXX  # XXXX {$1500.00} Account # XXXX XXXX # XXXX {$0.00} Account # XXXX  XXXX # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They closed immediately closed my account with no explanation due to fraudulent activity on the account I had nothing to do with, when I called and explain my purse was stolen with my wallet and phone in there, the agents told me there was nothing they could do, no disputes or anything. Now Im stuck with a closed bank account, {$0.00} savings ( because they took it ) and owe {$6000.00} to boa for something I had no control over

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 2023-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
BACKGROUND OF THE COMPLAINT Within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) issued the following payments for real estate property tax, which were made to the wrong property tax authority appraisal county office, XXXX XXXX in the following amounts of {$3900.00} and {$1800.00} respectively. However, the problem here was that the property located at XXXX XXXX XXXX XXXX XXXX TX XXXX is within the boundary of the XXXX XXXX XXXX XXXX XXXX. - See Exhibit A. 

Around or within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) received a refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}, which Specialized Loan Servicing issued a check to me, XXXX XXXX in the amount of {$2900.00}, and leaving a credit to the escrow account in the amount of {$1000.00}. See Exhibit B. 

Around or within XX/XX/XXXX, Specialized Loan Servicing issued the last of the 2 or 3 erroneous escrow account reconciliation statements stating that there was a shortage balance in the amount of {$3100.00}. - See Exhibit C. Also, within the same month of XX/XX/XXXX, Specialized Loan Servicing received another refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. See Exhibit D. Therefore, as per internal documentation provided by SLS, this amount of {$1800.00} was meant to be reimbursed to me, XXXX XXXX. Although, I called SLS and requested to send me the reimbursement check so that I could replenish the escrow account shortage.

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 2023-05-21 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Called spoke with customer service more than once Once I received returned money order via Synchrony Bank mailed XXXX payment and XXXX payment on the XXXX of this month. 
For some reason Synchrony Bank Pep Boys car care did not credit {$50.00} for XXXX. I was told they never received payment???? ( Lies ) after my own research and going back and forth with customer service Synchorny Bank gave me a late fee and reported false statements to the credit bureau. 
I later discovered they did receive payment and returned it to me without documenting my account??? 
1 ) Fraud 2 ) Language Barrier 3 ) False reporting

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 2023-05-21 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: DISCOVER BANK
State: NY

Complaint narrative:
Last summer I participated in a XXXX campaign for toy animals which ended XX/XX/XXXX and was charged {$70.00} for my pledge on my Discover card. The creator 's last post was XX/XX/XXXX and has subsequently vanished. There was no survey sent out, no one involved received their items, and one of the other backers discovered the " creator '' had used photographs of someone else 's creations which are available on XXXX. Backers involved including myself contacted XXXX who have done nothing despite the person behind the campaign clearly having taken the money and run. Some backers contacted their banks and were refunded. I paid via Discover card and opened a dispute for my {$70.00}. Well, despite their claims otherwise Discover does not protect their customers. The dispute department discerned based on zero evidence that it was a valid transaction and refuses to refund my money. They demanded proof and I showed them copies of the very public discussions between the backers over the past 8 months saying they'd gotten no response from the " creator '' whatsoever. It's been repeatedly reported to XXXX who've done nothing. I made a purchase and received nothing. It's not a case of the creator having difficulties or delays. This is quite obviously a case of " take the money and run ''. There is no other proof I can show other than 'I along with other py paid for something and never received it, AND the person behind the campaign is a scanner '. I have been a good customer with Discover since XXXX and I can't believe they'd be willing to lose me over {$70.00}. Other people got their money back. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX  were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: FL

Complaint narrative:
On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I made an online checking account with chime I opened it on XX/XX/2023 and on the the same day my account was closed on me. I have been trying to get access to my funds for two months I tried calling multiple times every time I talk to someone from the support team to talk about my account situation and Im told they cant do anything about my account only the review team has the power to make a decision about my account I tried to email the review team and I ended giving out information about me multiple times and they should have received more than enough information to help me verify my identity I even shared my bank statements to prove where the deposit came from. Its been two months and I still dont have access to my funds I talked to someone over the phone with someone from my original bank to talk about talk about closing down the account and I should of had a closure check and they told me they were in the middle of processing it so I wait about a month and I havent received anything so I call again and the money I was trying to get back was still stuck in my account that I dont have access too. I already tried reaching out to the company but they havent been able to get back to me so Im writing this so I can get information on how to get my funds back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: PA

Complaint narrative:
fictitious nomen and mailing location and accounts not associated to social security nor did I give any authorization

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 2023-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Got behind a few payments, and without any heads up card was repossessed with purse, laptop, tools, radar detector, everything inside of it upon finding out who repossessed it we showed up to get our personal items out of it and found that quite a few things were missing the laptop purse, XXXX sunglasses, an radar detector were all stolen along with quite a few tools and the tow truck driver said he didn't even know who picked it up. We contacted Wells Fargo. They told us that it was unable to be reinstated no matter how much we could pay and that since it was repossessed, there was no way to get the car back unless we paid it in full the entire owed amount on the loan plus the repossession fees, and all this other charges and everything and they didn't help us at all with anything about the stolen items in fact, we never got anything from them not from Wells Fargo not the tow truck agency no one helped us and we didn't have a vehicle. I come to find out that there was a class action lawsuit against Wells Fargo, that they lost due to they are unfair practices with car loans and repossession fees. In terms I have not been contacted by Wells Fargo but I am I am sure that I should have been a part of that settlement and I don't think they did their due diligence and trying to contact me, nor wanted to pay me for anything that I didn't fight for first.

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 2023-05-21 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: CBC Companies, Inc.
State: PA

Complaint narrative:
fictitious nomen and mailing location and accounts not associated with social security ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: SC

Complaint narrative:
Im not sure as to why Im paying XXXX dollars in order for an ER to refer me to a physician specialist that I have to get in order to complete my recovery from a 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 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
I am not able to get a Discover Secured credit card. I want a Discover Secured card and a second to build a relationship and my credit with Discover. I want a second chance account with Discover. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: LA

Complaint narrative:
See attached 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports and no consent is fraud.

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 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am still having an issue opening up a Chase Bank checking and savings account online at account.chase.com and at local Chase Bank branch due to the fraudulent checking and savings account that was opened in my name due to identity theft. Chase approved my Identity Theft Claim on XX/XX/XXXX, but I am still not able to open up a Chase checking or savings account online at account.chase.com or at a local Chase branch. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: LEXISNEXIS
State: PA

Complaint narrative:
fictitious nomen and mailing location and accounts not associated with social security ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: PA

Complaint narrative:
fictitious nomen and mailing location and accounts not associated to social security nor did I give any authorization

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