vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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 report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 explanation
Consumer complaint received 2022-04-25 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 report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 2022-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My credit union dispatched a payment for the statement balance in full on XX/XX/2022 for all of my credit cards from the proceeds of a Home Equity loan I obtained with them. This was made directly by the credit union to the payment address listed on the billing statement. All other accounts processed this payment within XXXX business days. 

My Capital One West Elm card failed to ever process the payment, so on XX/XX/XXXX, by which time all other accounts had paid off, I was required to make another payment. On XX/XX/XXXX, they assessed another month of interest to the account in the amount of {$110.00}. 

My credit union advised the check was never processed by Capital One/West Elm and placed a stop payment on the check and deposited the funds to my XXXX XXXX  XXXX savings account so I could pay this account directly to resolve. 

When I contacted Capital One/West Elm to pay off the account and resolve this matter, I requested that they waive the {$110.00} in interest since the only reason this account was not paid off was because of their failure to process or mismanagement of the payoff check sent by my credit union XXXX I have attached a copy of the credit union account where the statement payoff amount for West Elm 's XXXX statement was returned to me via Stop Payment on a check ( {$5000.00} ). 

Capital One/West Elm advised they would not refund the whole amount, but would waive {$50.00} as a one time courtesy. I accepted the {$50.00} waiver and requested if someone else could review to resolve this as it was Capital One 's fault, and they said no. I paid the account in full, but would like my additional {$63.00} in unfairly assessed interest to be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Three credit cards were opened using home address with three different names. All three credit cards received in mail on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX. This company has violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. As I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022, stating that the XXXX XXXX XXXX give them permission to collect the alleged debt which is very inaccurate since Synergetic Communication has no legal right to collect as I never signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I have been the holder of a Golman Sachs saving account for the past 4 years, with two certificate of deposits credited to the account.

Last month I was notified by Gollman Sachs that a XXXX credit card issued in my name, a card that I never requested nor possessed was transferred to XXXX Goldman Sachs, and a statement with a pending balance was sent to my address at XXXX XXXX XXXX. In XXXX South Carolina. 

I immediately contacted GS customer services to notify the occurrence, and was assured that a mistake in the identity of the real owner of the card had occurred, and that is was been taken care of. 

Last week I received another statement, for the same balance plus interest and fees, and I again spent two +hours with GS customer service trying to figure out how to resolve the issue.

It seems that GS customer services is not very effective at handling these issues, and they kept transferring my call numerous times, putting me on hold and repeatedly asking for the same information. 

Again I was assured that the issue was resolved. 

At the end of the call I went to my online account with GS, to discover that the credit card is now included in my savings account with XXXX GS, and that the balance and the related interest rates are being deducted from the balance of my certificates of deposit. 

In addition, the 4 digits of the credit card linked to my account are XXXX, while the 4 digits of the card those statements I am receiving in the mail are XXXX. It appears the balance is the same on both cards. 

I have no idea how Gollman Sachs could have included the ownership of a credit card I never ordered or possessed into my account. It seems their systems have been hacked, and their security ( and mine ) have been compromised. In addition, I have submitted an inquiry to their XXXX email address but I have not received any acknowledgment. 

Given the seriousness of this situation, and the implication to GS reputation and my credit rating, I hope you would investigate it promptly and inform me of the status of your inquiry, since Goldman Sachs has not been able to take action or offer an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, I processed an ATM transaction at XXXX XXXX XXXX in XXXX, In using an XXXX stand alone ( not named by the casino ) ATM. The ATM maintained and I did not receive my money. The cash XXXX at the XXXX called XXXX and verified the ATM was not communicating and they took it out of service. I immediately called the number on my Netspend card and reported the issue and filed a dispute of which I got an email confirmation of. I heard nothing for the next 8 days until I called NetSpend to find out I needed to ask for a provisional credit in writing, which I did on XX/XX/XXXX and recurved a confirmation they got the request. Immediately following that I contacted XXXX to see if there was anything they could do and they advised they had not gotten a request for charge back on the transaction from my debit card. I then called NetSpend back and I was then told they had until XX/XX/XXXX to respond. On XX/XX/XXXX I responded to a survey from the casino in which I explained the situation and explained I was frustrated but the assistance I had gotten from the casino. The Director of cash for the casino promptly contacted me and asked me to give her the details so she could see what she could do. She contacted XXXX and they found the transaction and confirmed I did not get my cashed and processed a charge back to my account for {$200.00} ( XXXX + XXXX ATM fee ). On XX/XX/XXXX I sent an email using my secure inbox for my account stating the above and asked when I was going to get either the provisional credit or my money credited back to my account. My understanding from the casino and XXXX was that this transaction falls under Reg E compliance. I received a letter on XX/XX/XXXX starting they did not issue a provisional credit because I don't request it. I once again emailed them using my secure inbox in my account and advised I not only requested it but also got a confirmation from them that they got it. I got a response back today starting that my transaction doesn't qualify for a provisional credit since it, according to NetSpend, doesn't fall under Reg E. They received the charge back on XX/XX/XXXX and I just recurved an email stating that the next update on my dispute will be XX/XX/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 2022-04-25 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: ME

Complaint narrative:
So the end of XXXX I was notified of a large charge added to my credit report and I looked into it to find out XXXX dollar was used on a gaming system I did not make. I called Chase put a claim in they removed the fraud charges. 30 days later they readded charges said it was valid because public records shows im married to the person who used it. I have never been married ever! I Called them immediately on XX/XX/XXXX and argued that I have never been married they said because I knew who used it I was held liable. I stated thats not fair i did not give them permission knowing them or not and appealed it. Chase refused to help so I investigated myself. I reached out to the person who used my card they told XXXX they didn't have permission and XXXX has taken all services paid for with my card and suspended the account yet chase is still charging me for services that are not even available and claim I benefited which I have not. I will not pay for services I didn't buy and now I can't use. They will not help me at all ive emailed fraud many times as well. My credit score I worked hard on keeps taking hits due to this. Chase has been horrible so I'm supposed to pay for services I don't have nor did I authorize? XXXX even seen that and took all services away and banned the account so anything bought off my card is gone and not usable. I have nothing the XXXX dollars paid for and i didnt do yet im supposed to pay not ok. I'm XXXX, I've never had a worse experience with any place. I have 8 credit cards and I've never had an issue and always had excellent credit. Chase is unfair and it's not even about it being fraudulent its now no services were rendered or can be used yet I have to pay no that's theft. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TN

Complaint narrative:
The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.

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 2022-04-25 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: OK

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NH

Complaint narrative:
I have received an invoice from XXXX XXXX XXXX XXXX dated XXXX and XX/XX/XXXX for {$290.00} Which I have no knowledge of any account with XXXX XXXX XXXX ( see attached ) on XX/XX/XXXX, I have received an alert from XXXX that my SSN is associated with different name ( see attached ) I have called XXXX XXXX XXXX, with no resoluation A collection agency has been reporting this to my credit report affecting my credit score Collection agency name is : SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX, NY XXXX I have filed identity theft report with Federal trade commission XXXX FTC ( see attached ) I have disputed this with XXXX I have filed a Local police report on XX/XX/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 2022-04-25 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 report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 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 explanation
Consumer complaint received 2022-04-25 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:
This company has violated Hippa laws I demand they are investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
This company has violated Hippa laws I demand they are investigated

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 2022-04-25 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: CORELOGIC INC
State: NJ

Complaint narrative:
There is a XXXX  XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided.

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 acount 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 explanation
Consumer complaint received 2022-04-25 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:
There is a XXXX  XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided.

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 acount 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 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
This is regarding my loan account ending in XXXX with Cardinal Financial. They closed my account without my permission. They are now requesting a deposit to reestablish it, I refuse to pay a deposit. Also they are transferring it to XXXX now without solving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
We hired a XXXX XXXX XXXX to Service our home on a monthly basis or as Needed. They came a couple of times and cleared hornet nest, and spider webs, etc. After a month we continued to see insects including Ants! We called them and let them know that we were having Additional Problems, they said the would send a service person out which they did to lay ant traps etc. a few weeks later there were spiders in the house, I called and told them I was cancelling their service at which time they said they would have to charge XXXX to cancel the service or they could send someone else at NO charge to re-do the exterminating. 

We agreed and the serviceman came and exterminated beyond the fenced backyard where he said the problem was coming from and the next week we were sent a bill for XXXX! Then sent out another serviceman 2 weeks later! We said someone had just been here to which he replied " well, you are on my schedule '' for this we were charged another XXXX! We haven't heard from the company except for Billing since XXXX! However, we paid the XXXX charge of XXXX. I emailed the company to cancel and was told that only phone calls can cancel services, Well, I had already tried that and was convinced by the company to NOT cancel the Service, so I said the email would have to do! They have been sending Bill reminder emails which we '' ve ignored, Now we get this Collection Notice saying we owe them XXXX! No Way! we're paying to be RIDD of Them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MA

Complaint narrative:
Several XXXX XXXX  employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted XXXX XXXX  to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.

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