vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize, please also update my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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:
In accordance with the fair Credit Reporting Act XXXX 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 1604 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 non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2022 an autopay was applied ( and posted from my XXXX checking account ending in XXXX ) in the statement balance amount to Bank of America XXXX XXXX XXXX XXXX ). Then, on XX/XX/2022, Bank of America took out a duplicate payment from my XXXX account. Creating approximately {$2400.00} credit on my account. I called to resolve the issue when I found out of the error on XX/XX/2022. My phone call was from approximately XXXX hours on this day. I spoke with the Escalation manager, XXXX ( ID XXXX ) and she adamantly refused to expeditiously get my {$2400.00} back to me! We are in a recession and my mortgage and XXXX XXXX credit card bills are due this week... I begged Bank of America to make this right! I begged them to expediate the refund as they " stole '' the money from my bank account. She refused! It will take XXXX days to cut the check and another few weeks for it to mail via snail mail ( XXXX ) to me! I am absolutely horrified that a huge corporation such as Bank of America can steal money from my personal checking account and take their sweet time in returning it back to me ( and it was their mistake )!!! Additionally, XXXX informed me I would not receive interest back! My only request was that they make an exception to policy in light of the economic crisis and overnight the check to me or ... .send it back electronically to the account they stole it from. Neither of which, XXXX would entertain. I want Bank of America to recognize their mistake and give me my money back ASAP!! My bills don't stop because of their theft! To make matters worse, I just obtained this credit card a month ago and this was my first autopay. I have already lost trust in this company and once this is resolved I will be cancelling my card... unless they make me whole! The emotional stress of a corporation stealling {$2400.00} from me with zero accountability is beyond unbearable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My Account with XXXX XXXX was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.

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 2022-11-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My Account with XXXX XXXX  was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Account with XXXX XXXX  was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.

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 2022-11-15 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: SC

Complaint narrative:
XXXX XXXX # XXXX has violated my rights according to : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2022-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Roughly once every two weeks, a representative from PennyMac Financial Services, whom I have a HELOC with, calls and gives me a sales pitch on why I should refinance my home mortgage ( held with another company ). I've repeatedly told them to stop asking me to refinance my 3.00 % mortgage when the prime rate is currently 7.00 %, and they have failed to remove me from their calling list for over three months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error.

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: DISCOVER BANK
State: IL

Complaint narrative:
Early this year, my daughter, XXXX XXXX, was the victim of identity theft and fraud related to her XXXX bank account, her Discover credit card and a XXXX account. XXXX is a XXXX  at Michigan XXXX, and was under a lot of XXXX  stress at the time, and the fraudulent charges on her Discover card came in 10 week period between XX/XX/XXXX and early XXXX, 2022. XXXX is not a frequent user of her credit card, and has never purchased a gift card in her life ; nevertheless, in that 10 week period over XXXX XXXX XXXX, XXXX, XXXX and XXXX gift card purchases were billed to her, without her ever authorizing or seeing any evidence of the gift card purchases that added up to over {$2500.00}. XXXX, XXXXXXXX XXXX  mother, XXXX, and I have spent countless hours over the last several months implementing a credit freeze and working to eradicate the effects of the frauds on XXXX 's financial accounts and on-line identify. Ironically, Discover who has made the most frequent and aggressive advertising claims, " All Discover cardmembers are protected with our {$0.00} XXXX XXXX XXXX, which means you're never responsible for unauthorized purchases on your Discover Card account, '' has been by far the most disreputable and impossible with which to deal. 
Very briefly, I wrote to the General Counsel, XX/XX/XXXX, hoping that he could cut through the nonsense, but he referred it to a group, " XXXX XXXX XXXX XXXX XXXX, '' that most recently reversed a decision and letter sent to me on XX/XX/XXXX that agreed to credit XXXX 's account for all of the unauthorized charges. Then, on XX/XX/XXXX, this XXXX XXXX group ignored the fact that I represent my daughter and sent her a letter reversing that decision and claiming that she is responsible for all of the charges, which are obviously fraudulent. 
I would like the CFPB to take a look into how frequently Discover ignores its own guarantee not to attempt to hold its cardmembers responsible for unauthorized charges, and investigate what Red Flags Discover has established that are obviously inadequate, given that they can not identify and alert cardmembers to the most common fraud going, on-line purchases of gift-cards in extraordinary quantities, when the cardmember NEVER bought a gift-card in her life. 
I would be happy to send you the absurd correspondence that I have, but your systems for uploading PDFs does not seem to work. Please email me at XXXX, and I will happily share the correspondence that has traumatized my daughter so. 

Thanks very much for your assistance in this matter ; I can be reached at XXXX. All bests, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 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: SC

Complaint narrative:
XXXX XXXX # XXXX has violated my rights according to : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: LA

Complaint narrative:
This company has called my phone multiple times under different phone numbers and using different agents requesting that I confirm my name, address, and DOB. When I requested why the need for my personal information, they only state that it is a " personal matter between myself and my mom ( they use her given name instead of stating XXXXyour mom ' ) ''. Due to security risks, the very vague answer, and being unfamiliar with their company, I blatantly refused to provide any information unless they will tell me what the so-called personal matter is. They also threatened to call my mom. I refuse to allow my mom to be harassed by them as scammers have called her in the past resulting in her having panic attacks. They have also been known to call during my standard work hours of XXXX to XXXX which puts my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: GA

Complaint narrative:
EXPERIAN has broken the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN XXXX XXXX XXXX XXXX ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to XXXX XXXX XXXX I own no debt. EXPERIAN violated my consumer right to privacy pursuant to XXXX XXXX XXXX purposes of consumer reports. EXPERIAN has no permission to report ANYTHING using my information. 
pursuant to XXXX XXXX XXXX. The accounts in question is : XXXX XXXX XXXX  XXXX acccount XXXX XXXX Me being the Consumer my rights have been violated and I want this account removed from my consumer 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 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I was contacted by an agent who requested payment on my loan XXXX. I made payment arrangements consisting of XXXX payments of {$420.00} each. I was contacted the following week and advised that arrangements needed to be made on my account. I advised the representative that arrangements had already been made ; we ended the call. 
I received a XXXX call from CIG within the hour asking for payment to which I advised that an arrangement had already been set. I received a XXXX call appx XXXX hours later from CIG requesting payment to which I advised arrangements were set. 

On the XXXX of XXXX CIG accessed an account from a XXXX party without authorization and stole {$850.00} to apply to my account. The 3rd party used their information to make a one time payment on my accounts months prior. The 3rd party contacted me to advise that {$850.00} dollars was stolen from her account by CIG and demanded the return of the funds immediately. 

I contacted CIG and spoke to a supervisor who reviewed notes, information, and calls regarding the payment arrangement in the early morning hours, It was confirmed that the payment for {$850.00} was taken without authorization. I advised the supervisor that I would call back after I spoke to the 3rd party to calm her down and to make arrangements to give her {$850.00} to prevent her account from accruing fees. 
Upon calling the supervisor back, I was advised that he would delete the payment method ( the stolen account information ) and set-up a call for Monday to 'see what happened '. The supervisor also provided XXXX methods of having the stolen funds returned immediately : : he could return via the system which would take up to XXXX business days or the 3rd party could handle through her bank. I opted for the return of the funds within 7 days having already made arrangements to give the 3rd party {$850.00}. 

The reason for the complaint is that XXXX XXXX threatened to repossess my vehicle. I was unaware that the account was delinquent and still waiting for communication with the company as they failed to return the stolen {$850.00}. I was reviewing the account with a representative when XXXX XXXX took over the call and repeatedly threatened to repossess my vehicle. I disconnected the call and called CIG back 3 times because the calls continued to go to XXXX XXXX. 
The 3rd party rejected the payment through her bank after 14 days of not getting her money back. 

There was unlawful activity and a number of FDCPA violations committed by CIG from XXXX XX/XX/22 to which I'm filing a formal complaint. I'm asking for compensation for each unlawful act and FDCPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone opened a checking account and linked it to my savings account without me knowing and began transferring thousands of dollars ( usually in increments of {$1000.00} to {$3000.00} ) at a time to the checking and withdrawing all my money within the span of a couple of weeks in XX/XX/2021, my account was completely emptied ( {$75000.00} ). I had this account for several years and I only used this account to save my money ( for my retirement ) so there were not many transactions until this happened and most transactions were deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. On XX/XX/2022, a hard inquiry appeared on my TransUnion credit report. When I saw that on my credit report, I immediately called the lender, XXXX XXXX. I told XXXX XXXX that the application done under my name was fraud ( application ID number : XXXX ). The XXXX XXXX representative I spoke with stated that they flagged the application as fraudulent, which resulted in the application being denied -- good! However, I mailed TransUnion a copy of my FTC report to dispute the hard inquiry from XXXX  XXXX that I mentioned at the very beginning. TransUnion 's website states that they will investigate the disputes. However, TransUnion did not even investigate anything. I receive a letter from TransUnion stating that my dispute has been denied. Their reason? Their reason was they feel someone tried to remove an inquiry from my credit report without my consent?! I am a victim of identity theft! TransUnion did not even contact the lender ( XXXX XXXX ) to investigate my dispute. XXXX XXXX agrees that this is fraud. Why? Because I was the one who called XXXX XXXX to let them know that it was fraud! AND I mailed TransUnion a copy of my FTC report. Please remove this hard inquiry from XXXX XXXX on XX/XX/2022 from my credit report! This is illegal.

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