vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.SXXXX Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For XXXX XXXX 15 USC 1692j. Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a Bank of America credit card that was copied in some way and used in multiple locations, counties and cities. The charges were for large amounts and if you look at my spending history, I do NOT spend money like this. The charges also took place while I was teaching high school and I can verify that I was at work. 

I have called the Bank, opened XXXX claims and both times were denied stating that I either used my chip, signed for the merchandice, or a pin was used. 

On XXXX and XXXX the person went all the way to XXXX and then to XXXX and then to XXXX spending money. On the XXXX I was teaching in my classroom. This is either a person who made copies of my card or decided to travel all over in a day. 

On XX/XX/22 the person went to a XXXX store in XXXX which at that time I was teaching high school. XXXX is an XXXX drive from where I live and I have never stepped foot inside this store. 

Two of the places that were charged included XXXX XXXX and XXXX. I have credit cards for both department stores and get rewards when I use my card there. I also only shop online at those stores. The amount spend at XXXX on XX/XX/XXXX was {$530.00}. If I were to spend that much money I would have used my XXXX card. The same day the person went to XXXX twice and spent {$200.00} and then {$190.00}. I was never notified that XXXX was spent all at once. 

There are also a variety of small charges to food places and a storage unit. I tried calling all of these places and did not have luck because they do not have video footage. 

Now I am spending my free time, working with police, stores, and paying huge late fee 's as well as interest charges because B of A will not reverse anything.

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 2022-02-21 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2022, there was {$4300.00} garnished from my joint account with PNC Bank without my authorization. 

I am personally not liable for the garnishment and have requested PNC Bank to release the funds several times, but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-02-21 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: TX

Complaint narrative:
Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed.

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tryed to reach out to Experian Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX in regards of removing closed accounts off my credit report. Experian is still allowing the closed accounts to report on my credit repot witch is causing mental and physical distress and damages. i would like the closed accounts to be taking off my credit report immediately.. Attached documents Bellow!

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 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
This account with BMW FIN SVC with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Several attempts to remove listed account of consumer report due to identity theft i made a complaint thru cfpb for this debt collector CCS Collections and they responded stating they have no account listed in system i am uploading the name of the creditor and asking this account be deleted as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$520.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is an online bank through which I purchased a laptop computer via another online retailer ( XXXX & XXXX ). Synchrony bank did not mail me ( or email me ) any statements and in XX/XX/XXXX added a whopping {$1000.00} charge to my account when my balance was down to {$740.00}. I called them to pay off the balance without this charge and see if I could get the interest from XXXX and XX/XX/XXXX reimbursed to my account. Synchrony was unwilling to discuss the issue to resolve and offered no alternative to me other than to file a complaint with you. 

Synchrony bank told me that I could log into my account to see the statements but that is incorrect. I can not see the statements as they pop up in the browser in a tiny window that is illegible. To view the statements correctly, I would be required to download the PDF as I can not see the statement online without downloading them. This practice appears to be unlawful. I have downloaded and attached the statements from XX/XX/XXXX and XXXX XX/XX/XXXX. 

See attached pop up statement that is illegible on the computer screen. After downloading this file I need a 3rd party viewer ( XXXX XXXX ) to open the file. I also do not know the full account number as I do not have a card, I only know the last 4 digits of the account that end in 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 2022-02-21 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:
Please Delete the following inaccurate and incorrect items reporting under my personal information to all three credit reporting bureaus below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX CONSUMER STATEMENT XXXX - DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 
DELETE THIS CONSUMER STATEMENT FROM XXXX REPORTS! 
XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EQUIFAX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have XXXX accounts that are showing charged off. These accounts are not mine and are a result of identity theft police report attached. A report was sent XXXX XX/XX/2020 report number from experian it has been a back and forth battle and to no eval it has not been settled. Accounts that need to be deleted off my consumer report are below : 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 2022-02-21 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: MI

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

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 2022-02-21 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: MI

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: FL

Complaint narrative:
I have been working full-time for the XXXX XXXX XXXX since XX/XX/XXXX as a young single mother. Due to my low pay, I went back to school hoping to better my situation and took out more loans to do so. I started school in XXXX and had already had some loans from when I was in college in the late XXXX XXXX. While working full-time, I also went to school full-time and obtained XXXX degrees. First an AS. At the time of graduation from my 1st degree, I was pregnant with my second child. Then, I went back to school for my 2nd degree. XXXX  My issue lies in that every time I called XXXX XXXX ( now Navient ) when I couldn't make my student loan payments, they would suggest a hardship forbearance or some type of deferment. These had to be documented so they saw my 'XXXX XXXX XXXX  XXXX paystubs with my state 's seal and not once suggested or offered me IDR until years later. Nor did they tell me this time wouldn't count towards PSLF, a program that really motivated me to stay working in public service as I didn't stand much of a chance of being able to pay them off. I had sent a number of applications for PSLF over the years but I never heard back until XXXX when my loans were finally transferred to XXXX XXXX from Navient. I had no idea until then that there are literal years missing from my payment counts. Despite working for nearly 17 years for the XXXX XXXX XXXX, the last count showed I had just 44 eligible payments suggesting I'd need to work another 7 MORE years in public service to have my loans forgiven. That's about when I'd be due to retire... ( I'll have been working for the state for 23 years at that point ) I don't see how that's fair. I was a victim of XXXX XXXX just like everyone else. Sadly the waiver is not even addressing people like me who have to pay another 7 years for their mess. Please help. When the XXXX  was offered to me, I was eligible for {$0.00} XXXX which is the real crime. All of those years ' {$0.00} payments would have counted if they weren't trying to balloon my balance to collect a higher payment from the federal government for servicing my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West states they will make over draft payments at their discretion. 
I am not signed up for overdraft because Bank of the West has charged XXXX a day and at their discretion will charge {$70.00} a day. 
I had an issue last year with a total of {$270.00} in fees. They refused to listen to my calls. I went into the branch and the manager refused to reverse charges.

I was told that they can list deposits and debit in the order they wanted on your account. 
I now have a XXXX  charge for XX/XX/XXXX and the XXXX  charge for the XXXX. In their writings they say that they wont charge XXXX  for five days yet now I have a charge for XXXX on two consecutive days. 
I have written to the bank and ask them to remove one of the charges and Im hoping theyre not going to add another charge today. I will not get any money into my account until the XXXX of the month. 
Bank Of The West abuses their overdraft charges.

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 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: CA

Complaint narrative:
Company ASG contacts my cellphone multiple times a day on a daily basis looking to collect a debt from XXXX XXXX. Im not XXXX XXXX, nor do I owe this debt. I have gone through their automated service multiple times to remove my cellphone number. I have told them Im not the person being sought, that person does not own or have access to my cellphone number, and they are not a relative. I have repeatedly asked them to stop calling my cellphone. Despite my efforts to resolve this matter on my own, ASG continues to telephone me on a daily basis, multiple times a day.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter 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 2022-02-22 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: NE

Complaint narrative:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter 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 non-monetary relief