vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: CA

Complaint narrative:
I am writing this complaint to TELETRACK I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Beginning XX/XX/2022 someone named XXXX XXXX transferred money from our daughter 's account regularly via XXXX from her checking account ( my husband is coowner of the account ) We all have USAA Federal Savings Checking accounts. These charges most of ranged from {$80.00} to {$250.00} went on through XX/XX/XXXX, when we told our daughter to change her password after we noticed all these charges and she did not know this person or even knew about them. After she changed her password the charges stopped. At the same time, my husband called USAA to file a fraud claim. They said they would research it and get back to us. This week my husband called USAA again because we did not hear anything from USAA, no confirmation that a claim was filed nor any results. They told him that they did not find anything and he can file an appeal. Next thing we know, only because our cards were declined, USAA locked US out on ALL of our accounts. Without notification!!!! My husband called again today and got only the run around. They said a manager will get back to us within 3 days. Meanwhile all our money is held hostage. And as I looked into all of our bank documents there is still no document that we filed a complaint or that our accounts are locked. We are being treated like criminals and we have been banking with USAA for at least 20 years. We feel completely robbed by the bank and the fraudster!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Finances claim I am 17 weeks late on my XXXX payments & is trying to charge me an extra $ XXXX {$320.00} in overdraft fees. They also claim one of my payments of {$290.00} did not go through but I have a bank statement showing the money was taken out my account from XXXX XXXX XXXX. I only had {$100.00} left to pay before the month of XXXX was over. I have evidence showing I schedule a payment for that amount before the month of XXXX ended, however, my account was blocked & my payment for {$100.00} was declined. I nor my grandmother was called & notified that the payment was declined instead they waited till XXXX ended to call & tell my grandmother that there was no payment made & now there are overdraft fees & extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
3 checks were stolen from me in XX/XX/2022 when I sold my house, these three checks were cashed by a lady named XXXX XXXX thru XXXX  XXXX XXXX account from my Navy Federal Credit Union account ending in XXXX, during the months of XXXX thru XX/XX/2022 I traveled out of the country during this time I could not access my account on the app because the bank would block the international Ip address. on XX/XX/2022 the firdt check number XXXX posted to my account and paid for XXXX then on XX/XX/2022 a second check number XXXX posted to my account and paid for XXXX also and on XX/XX/2022 the third check XXXX posted to my account and paid for XXXX. I returned from my trip on XX/XX/2022 and upon my arrival and seeing my bank statements I did not recognized these charges so I reported it to my bank and asked for copies of these checks when I received them I was able to identify that these checks had been stolen and fraudulently cashed all three checks have different handwriting 's. I submitted a claim form after reporting it by phone and included copies of the checks. Navy Federal credit Union took a long time to process and even that I had uploaded the claim on their secure site they kept saying they had not received it but system reflected that they had, so I continued to upload several times during the next several months till they finally admitted receiving it all, and then they took their time to issue it to someone to work on it, and then after several months later they sent a secure message stating that I would not get a refund or credit back, I asked why this was not making sense so then I waited and they refused to give me a reason so I appealed in writing and they again took months to answer and replied that it would not be credited back to me again I asked what reason and they never gave me a reason. I want my money back and credited back to my new account that they opened when my account was a victim of fraud 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 2023-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX EQUIFAX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CO

Complaint narrative:
Seedfi is currently holding my deposit of {$2500.00} after paying off a loan with them. Loan was paid off XXXX and I have made multiple inquiries and get the same standard response that they are waiting for confirmation of loan being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT 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 GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
for the last two and a half years I have had approximately 10 transactions from the ATMs that either did not give me my money, gave me partial money, would not accept my deposit or accepted only a partial deposit and did not register it or didn't register my entire deposits. The very worst part of this is that before the last two and a half years I trusted the bank to count my money and deposit it Yes that was not the smartest thing of me but I made good money I didn't accept credit cards at the time and I just was in a hurry I threw my money into the ATM without counting it and there were times that I said to myself no no no no no no I had way more than that but of course I trusted the bank knew how to count the money so I didn't say anything at all and I know that I have been stolen from by Chase Bank because they never notified me and said hey you're deposit was incorrect we took more money than what you deposited. I feel I've been robbed by my bank. regardless if I was not smart enough to count the money at the time I trusted the bank to do that for me and they took advantage of that with their machines I requested for them to check on my transactions but they wanted exact times and I didn't know the exact dates. Chase Bank ATM machines are notorious for being down, inoperable. This is caused me to use nonchase ATMs for transactions this has caused me to have to run around sometimes to three different banks to find a working ATM when the bank is closed or when the bank is open because I don't have time to wait in lines or possibly I've just run out in my pajamas to make a deposit doesn't matter why ATMs are down all the time I hear people frustrated as I walk up saying the machine 's down again imagine that! ATMs are supposed to be an are offered as a convenience to their customers Chase is not supplying what they promise that we will have and that is the convenience of an ATM. when they're closed at night there's noone to tell thee ATM ook your money. it's frustrating to deposit money and walk away knowing that you have no receipt that you have nothing to show that you put money into that bank account because it's not registering. they've said they'd fix the problem over and over and over I've complained. so now I'm trying to go above them because it's been 2 and 1/2 years and nothing has changed. unfortunately I do not keep my dispute papers after their resolved but the bank has records so I don't have documents to upload but the bank has them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I want them to correct and remove the error from my credit report. 


I contacted XXXX XXXX XXXX regarding portfolio recovery I was in communication with portfolio recovery through the XXXX and he stopped communicating with me. 
I am contacting you as a means to resolve this unfair practice its just unfair. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
Optum Financial has managed my XXXX account while I was employed by XXXX XXXX XXXX XXXX. In XXXX of XXXX I initiated trustee to trustee transfer request between Optum Financial and Lively, in which the funds were transferred directly between providers. On XX/XX/XXXX, this transfer took place successfully and I never had to take possession of these funds. However, in XXXX Optum Financial has issued a 1099-SA form for XXXX tax year, in which it claimed that I received a 30k+ distribution, which created for me a large tax liability to IRS. When I called Optum Financial in an attempt to correct this error, the customer service rep. ( XXXX ) told me that Optum has issued a check # XXXX that I cashed and therefore closed my account. Off course this wasn't true, and it never happened. The rep told me that there is nothing more she could do for me. At my request, the rep promised to email me and have a supervisor contact me about this problem. None of these things ever took place. I request that Optum Financial correct their error and reissue corrected 1099-SA form, so I can proceed to file my income tax return. I have all the necessary documents supporting my claim. I request that Optum Financial resolve this error as soon as possible, because I can not file my income tax based on their incorrect 1099-SA..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV LLC and RESURGENT CAPITAL SERVICES are trying. to collect a dept that I do not own. 
I never requested their credit or credit card. 
I want to dispute this debt because I know this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, 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 2023-03-17 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, 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 2023-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
I traded in my vehicle before the end of my lease. 

The dealership where I purchased a new vehicle paid off the total amount due at the time of trade in. 

I received a letter from Kia Motor Finance America stating the lease has been paid in full and any obligation has been satisfied. I also received a refund check from Kia Motor Finance for a refund about of {$130.00} due to overpayment on the payoff. Upon attempting to deposit that check it bounced and I incurred a {$12.00} fee. 

I continue to receive weekly or biweekly collections calls about the lease. On multiple of these calls the agents have stated they see the full payoff amount and they will notate the account, yet nothing changes.

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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc.
State: OK

Complaint narrative:
First collection services has been placed my account from a creditor. I have received a letter stating to send payments to the original creditor. I have been sending what I am able to afford and I reported this information to the collection agency as well before XX/XX/23. They have notated this in the account on their end that I am making payments towards the balance but they kept calling me. I asked to speak to a supervisor but at first the supervisor never wanted to speak with me but through an instant message with the agent. I demanded to speak to the supervisor and when I did she proceeded to tell me that they never agreed upon this amount and that I better pay more per month. Worst company ever! I will report this to the original creditor as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT 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 GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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