vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: LA

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 LETTERS FOR REFERENCE

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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: MD

Complaint narrative:
I received my unemployment benefits using Card Premium checking account, I was able to at first withdraw part of my money and used my card, after few weeks they ( Card.com ) place a hold on my account and I tried reaching out. They ( Card.com ) will not give me a reason why this is happening and I also request they return my money to the Maryland department of labour so I can go claim it there but they wont listen and its over 6 months they still holding {$1700.00} of my money I want my money released to me or returned to the sender please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Hi there! I initially submitted a refund request in the amount of {$8600.00} on XX/XX/2022 through Aidvantage. I was told that it would take 6-8 weeks to process. It has been over 10 weeks and I have not received any updates from Aidvantage, nor has the amount of the refund been reflected within my total loan balance. I've tried to get in contact with Aidvantage, but the representatives are unable to give me any updates as to what the status of my refund request is. I'm disappointed in not only the significant delay in receiving the refund, but also the lack of transparency in the refund process timeline. 

Thanks very much for your time and help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I want to ask the CFPB to open an investigation so Credit Collection Services does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am going through a very stressful time with Credit Collection Services. I filed an arbitration case against this company, who is reporting the accounts involved in this matter. CCS has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor ( XXXX ). 

The case I filed is based on several violations that CCS has committed : excessive phone calls, unfair and deceptive business practices, collecting on account with fraudulent charges account. I was called excessively by creditor and Ive kept on getting calls and letters despite me telling them to stop communicating. In addition the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. 

Now the XXXX XXXX XXXX tells me that CCS is out of compliance with them and failed to comply with the XXXX  policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Credit Collection Services will now be upheld.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX  XX/XX/2022, between the hours XXXX - XXXX my XXXX  located a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX # XXXX ) that was advertising an adoption for a puppy. The cost was {$300.00} each for a puppy that was vaccinated with paperwork. She negotiated the price down to {$100.00}. My wife then used her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in her phone and sent XXXX {$25.00} in earnest to hold the puppy until we were to meet XXXX at a XXXX XXXX out side of XXXX, XXXX. During such time My XXXX  tried to close the deal over the phone by paying XXXX the XXXX paper transfer fee '' of {$33.00} so that XXXX could release the puppy to my XXXX. My XXXX  tried for 3 hours to send over and over again the {$33.00} without success. She tried sending it in different amounts using PayPal " family and Friends '' and XXXX XXXX along with her XXXX XXXX. The amounts are these : PayPal credit : {$290.00}, XXXX XXXX {$400.00} and XXXX {$170.00}. We have screenshots of all the transactions as they were taking place in real time. This is our evidence. Later once we arrived home, we started to look into XXXX account of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All were gone! We then tried to contact my voice using the phone numbers from the cash app accounts. Both had been disconnected. We then tried to email the scammers. The emails went unanswered. It was then, when we read about the Pet/puppy Deposit Scam. We got a rude awakening and a fast education. We tried to resolve the matter with the credit union in which we are both members of and under Mastercards rules were denied chargeback of the amount of {$260.00}. PayPal closed their investigation on account of their being an investigation going at the same time with our XXXX  as did XXXX. We have not heard from XXXX at the time of this writing. SO far, they have taken the {$400.00} out from the account balance owed in lue of their investigation.. It would seem that everyone involve who perpetuated this scam have gone into the wind. We are left with dead ends as far as contacting them and {$960.00} poorer. Please help us with the crediting back of the loss. 

The suspected bad actors in this case are : 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 2022-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I'm trying to get to customer service to reopen my account it's closed and I can't access it

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Theres incorrect personal information on my credit report. Ive tried to resolve this issue by phone multiple times and the incorrect personal information still is reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX - XXXX Was opened on XX/XX/2021,, with a {$400.00} of balance.. i dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-22 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 2022-11-22 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 HAS violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 2022-11-22 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: C/C Financial
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Preferred Lease # XXXX balance {$5000.00} has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt Recovery Solutions , LLC is writing to me on behalf of XXXX XXXX XXXX, XXXX for a debt they claim I owe to XXXX XXXX XXXX with account number XXXX. I do not have knowledge of this debt nor have I contracted services in the amount of {$330.00} with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: GA

Complaint narrative:
XXXX missed payment XX/XX/2022 XXXX. XXXX XXXX XXXX does not have a contract with and has failed to validate Contacted tjem and failed they to provide evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On or about XXXX/XXXXXXXX I recieved a welcome letter from XXXX XXXX that my credit card account had been approved through TD Bank. I had not applied for this credit card and upon contacting the bank ( TD Bank ) I found out that someone had opened a fraudulent account in my name and made purchases of XXXX products for over {$3000.00}. I immediately opened a Fraud Case and and was told by TD Bank that a resolution to the issue would be finalized by XXXXXXXXXXXX. On XXXX/XXXXXXXX I contacted the bank for a response and was told that the Fraud claim had been closed because they never recieved a signed affidavit from me which they claimed was mailed out XXXX/XXXX/XXXX. I never received the affidavit letter in the mail until yesterday, XXXX/XXXXXXXX. On XX/XX/XXXX I received an email from a Team Lead at TD Bank and was told that the affidavit could be signed and emailed back to them and that the case would be re-opened with a new expected resolution date of XX/XX/XXXX. I emailed the signed affidavit back to the Fraud Department on XX/XX/XXXX. I then emailed them on XXXX/XXXXXXXX, XXXX/XXXXXXXX, XXXX/XXXXXXXX, and XX/XX/XXXX to ask for confirmation that the signed affidavit was recieved in good order and that they were working on the issue. I finally received an email from the Fraud Department today, XXXX/XXXXXXXX that the affidavit was recieved and the expected resolution date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: LA

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 LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am off work on medical leave with no pay due to XXXX XXXX XXXX and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet Synchrony Bank Care Credit and Synchrony Bank Home and XXXX XXXX credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA Was open on XX/XX/2021 it has a balance of $ XXXX dont know this account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
I am a Federally Protected Consumer and In accordance with the Fair Credit Reporting Act the following accounts have violated my rights ; 15 U.S.C. 1681 section 602A states I have the right to Privacy, 15 U.S.C. 1681 604A section 2 states a Consumer Reporting Agency CAN NOT FURNISH a account without my WRITTEN consent. Federal law Overrides any company policy. 
Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-11-23 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American Credit Acceptance Acct XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, It states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I had money stolen from my account earlier this XXXX, the week of the XXXX, mainly the XXXX ( card was stolen ). It was around {$1100.00} dollars. 
The bank I have is called Comdata  ( XXXX ) and they have brought me in circles since XXXX. 

The first time I called, they told me I was guaranteed my money back. All of a sudden, I called and they told me my XXXX Claim was denied. They said I received an email and I have not. Which means the only way I would have known that information, is if I called. Its unacceptable that thats the way I found out. 

After learning that, I told the lady to resend me an email and it has been maybe XXXX weeks and I still did not receive an email. I called for another time and another lady gave me a case code. This Comdata ( XXXX ) is a very bank shady company. I do not recommend at all!

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
SPS loan servicing has not reduced my principal amount owed, In fact has increased the principal balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation