vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.

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 2022-01-11 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To whom it may concern, On XXXX I visited Full Moon Restaurant in XXXX XXXX XXXX CA with spouse and spent a total of {$87.00}. {$71.00} food total ( receipt attached ) and a {$15.00} tip. 
A couple days later, I follow up on my credit card account and notice that an unauthorized purchase of {$140.00} from Full Moon along with my original purchase of {$87.00} ( {$71.00} food+ {$15.00} tip ). I called Navy Federal Credit Union and informed them of the situation of the unauthorized transaction of {$140.00} on XX/XX/XXXX. They informed me that they will be cancelling my, will be sending me a new credit card and refunding me the amount of {$140.00} for the unauthorized transaction. 

On XX/XX/XXXX, I check online and see that the credit of {$140.00} is posted in my account. Then on my XXXX statement ( XX/XX/XXXX ) I see an account adjustment for {$140.00}. I called XXXX XXXX to see what the issue was as I had previously thought the unauthorized charge was resolved. They informed me that the credit was reversed and that I would have to submit a dispute to resolve the matter. At this point I was confused what the issue was, so I ask the XXXX XXXX employee on the process since I was unfamiliar with disputing charges. The associate guided me through the process, and I submitted the request with the original receipt that they asked for. Around XXXX time, I receive a letter from XXXX XXXX regarding my dispute asking for additional documents, so I called them for clarification, and they stated that no action was needed and that they were still reviewing my dispute. Yesterday XX/XX/XXXX, I receive another letter from XXXX XXXX that my dispute was denied and to call them for any questions. 
My complaint is with Navy Federal Credit Union. I dont understand how they can not have handle an unauthorized charge. I called them immediately when I noticed the discrepancy and they assured me that it would be handled. They initially credited my account of the unauthorized charge and then take it back and ask me to file a dispute. I understand that they may need additional information which I provided but they are denying my dispute even though I provided them a receipt. 
I have attached the original receipt of food bill from Full Moon ( {$71.00} ), my XXXX credit card statement and screenshots of a XXXX conversation that my spouse was having with XXXX XXXX. They had informed her that they had a glitch that night of XX/XX/XXXX and that another person tab was charged on my card. I believe this to be the unauthorized charge of {$140.00}. 

Thank you for your attention on this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 called TransUnion on XX/XX/XXXX and informed the agent that I was a victim of their inquiry issue and that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : 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

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 2022-01-11 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent lvnv funding A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. LVNV funding is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to LVNV funding not ceasing communication through all mediums

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SLM CORPORATION
State: IN

Complaint narrative:
Sallie Mae has denied me access to my account. I am unable to verify if my payments have been posted to my account. They are calling family and friends and harassing me, but refuse to allow me to verify my balance. 
I lost my job due to covid and I am trying to get on my feet. They are jeopardizing my job, my credit score and my XXXX  health. 

I believe they are missing payments, but I can not resolve anything without access to my records. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX Inquired on XXXX 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 explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
During the end of the Summer in 2021 I was taken advantage of through my bank account and Bank of America. I have filed primal charges against those involved in the scam to access and cash out debits form my Bank of America account. Never once did BOA flag these aronius and numerous actions on any given day as fraud. When I was finally healthy again I went to Bank of America to get my records and and explanations how my address was changed to a Florida one without proper identification and how they would allow numerous withdrawals each day of cash. They not once flagged these as fraud. Furthermore they changed the first person my son and I spoke to at BOA in XXXX NY and the second person could not find my account records or even my social security deposits I live off of. They then printed out after 4 hours what they could find and told us that is all they good do. The fraud department never called us back nor did they provide any way for me to reconcile the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Conduent Incorporated
State: VA

Complaint narrative:
I received a debit credit card without my consent. It has my name on the card with a full account number. Documents state that whatever information I provide theyre allowed to use, social security number, payment history, account transactions, etc. when I call the customer service number to cancel and find out how I received this card it immediately asks for my social security number which I wont give in order to activate the card. I can not speak to a live person and theres no way for me to cancel or find out how I received this card in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I took out a loan from Kia Finance to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to Kia Finance, the lean holder. Kia Finance returned the check to XXXX XXXXXXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time Kia Finance is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be XXXX and it's affecting my credit really bad.

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 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a XXXX  in XXXX  and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft

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 2022-01-11 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-11 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:
I sent XXXX XXXX A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums

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 2022-01-11 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:
I sent XXXX XXXX  A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I went into the store to purchase some items and they offered to open me up a perk reward card that gives points off each dollar is spend to build coupons but instead they opened up a credit card fraudulent. I had just turned XXXX XXXX XXXX so they took advantage. Me and my mom went back into the store and returned the items and explained to the manager that they shouldnt have opened this card and they lied and said it was a store perk card. The information they had in the system was partially made up and the manager was really nasty and said they have to have their credit card numbers up etc and my mom said well yall wait on young girl and prey over them and lie and say perks. I honestly thought because we called and went into store several times that the issue was resolved but then I got a call today XX/XX/22 saying i am behind XXXX and i ask how because i returned all items when i realized what they did and called to cancel the same day and went back into store. I honestly just want them to erase this information being that it was fradulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: GA

Complaint narrative:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I applied for a auto loan through XXXX XXXX of XXXX. On XX/XX/XXXX after taking possession of the car I realized that the dealer lied on documents saying I only made half of what I actually make monthly. They stated that i have a monthly income of XXXX dollars monthly when I in fact make choose to XXXX dollars a month. Santander XXXX XXXX is who agreed to finance the loan. With a APR of 24.07 % at 75 months for a XXXX XXXX XXXX XXXX with a sticker price of XXXX, I'll have paid an additional {$24000.00} for this car over the life of the loan. More than 2 times the actual value or asking price. I contacted Santander on XX/XX/XXXX to use what my options were as far as a cooling off period to possibly return the car without a penalty to my credit. At that time they claimed to have 0 record of me, my account or my vehicle. Santander just recently settled for some odd XXXX XXXX dollars for providing predatory auto loans so this seems to be a common practice of theirs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.

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