vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
Dear USAA, As a 50 year member I have to express my complete and utter disappointment in how your banking back office has mishandled a simple request for a POD on my accounts and my mother 's accounts ( I am the POA ) since my father died in XX/XX/XXXX. After my father died my mother updated her trust and I and my husband created our own. I started the process of completing the forms for my mothers accounts in XXXX of XXXX and Mine in XXXX of XXXX. Interestingly enough, I helped my husband ( military USAA ) member complete his forms and his POD was completed with post haste. The POD 's are still not completed on either one of my mother 's or my accounts. I have called approximately 25 times to have this process completed. I have uploaded forms through the online portal, via email requests for documents and I have been given multiple explanations as to why this is not complete. I think it is important to note that the calls take approximately one hour at a minimum ( which now delights me in knowing that other people are being treated poorly waiting ). Yesterday XXXX took about 75 minutes. Two weeks ago on XXXX the call was probably 90 minutes and the call on XXXX was over two hours. I have been escalated to member relations and supervisors. All of which takes an exorbitant amount of time for them to realize how many calls, documents, uploads, notes, and requests are in the system for a simple POD of a Trust to my mother 's accounts and a different POD of a trust to my accounts. I have a copy of EVERY SINGLE document that I have sent or resent, or changed or updated or whatever was asked of me to complete a simple POD. All of these documents are dated as to when they were saved and subsequently sent to USAA. Here are the dates in which I called on one or both of the POD 's and sent in 'the correct documents ' XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( after speaking directly with the back office person ) XX/XX/XXXX ( after speaking with a different back office person ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are only the CALLS with a document upload. In addition, some of the forms that were sent to me to finish completing and sign had INCORRECT information pre populated from the USAA back office! I am XXXX XXXX with USAA 's incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NJ

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX reported a hard inquiry to my Transunion credit report, it showed on my report XX/XX/2022. I called XXXX XXXX XXXX and they could not pulled up any information showing I had an account with them or applied for credit nor could they offer a way to stop reporting it. Next I called Transunion to inform them that I do not have an account and never applied for credit with that company, and they were of no assistance and told me to file a complaint.

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 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
When I signed up for XXXX XXXX I signed up for only 6 months to help my cousin that worked for the company at the time. I was then contacted by another representative to verify everything including membership and I made sure that I made it very clear that I only wanted 6 months of insurance for my truck because once the 6 months were up, I was being added to my husband 's insurance. Once the 6 months were up, I received a call from XXXX asking me if I wanted to do another 6 months or 1 year with the company and how expensive it was. I declined immediately! I kept my roadside assistance but the insurance was done after 6 months. I never signed up to have car insurance with XXXX for an year. So they kept threatening me to put it on my credit like it was a credit card or like I used services that I never used. I've paid for the 6 months of insurance I had and that was it. They are definitely coming after me fraudulently for a balance that I do not owe on top of adding extra charges to the original amount. I'm not responsible for whatever the representative messed up on. Please do remove this from my report please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Orions Management Group, LLC
State: MA

Complaint narrative:
I have several inquiries and accounts that are 100 % fraudulent. I have disputed, but to no avail, I absolutely didnot create accounts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXXXXXX XXXX falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from XXXX XXXX. 
XXXX contacted me back and fixed my report. Transunion and XXXX still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of XXXX XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this issue.

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 2022-12-22 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: FL

Complaint narrative:
The following Account is reporting inaccurate information. This is not mine, I have no idea why this is in my credit profile. I have previously requested that you investigate this information and you have failed to do so. Now its not time to update, I demanded that you IMMEDIATE DELETE this account from my credit report. 

I attached proof that my car insurance provider has not been XXXX ; therefore, this is not mine DELETE THIS FROM MY CREDIT REPORT ACCOUNT : XXXX XXXX XXXX  ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: GA

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 2022-12-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  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 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had mobile deposited a check I received from my job as a bonus to my Citibank account. The next day I went to check the status of it clearing and I was unable to get into my account. I called and was able to access the app and look into my account. That same day I used my debit card to make a few purchases which all went through. The following day I was unable to access my account again. I called customer service and was notified that my account was on hold to close and my debit card as well as the money now in my account would be inaccessible until an investigation was done which could take up to 30-60 days. I was given no email or phone call prior to this happening and was also given no explanation as to why my account was on hold. Everything is frozen now and I cant access anything with my account and I really needed that money to be able to get an apartment as well as for XXXX  gifts for my family. This is not the first time Citibank has done this to me and all I want is my money out of the account and the account closed and I will never use Citibank again. Please any help you could give towards this goal would be greatly appreciated.

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 2022-12-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 explanation
Consumer complaint received 2022-12-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 2022-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX university is trying to charge me for a Pell grant overpayment of {$210.00} from XXXX which has affected my credit report in a negative manner. It has reported 37 late payments in XXXX. Never getting this information to me before that I needed to pay. I shouldnt have to be held responsible for a grant overpaying that the school sent to me on their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all 3 credit bureaus and Experian refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. Experian and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.

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 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management continues to attempt to collect a debt in the amount of {$900.00} and negatively report this questionable account on my consumer report even after they have failed to properly prove that I am in the person responsible for this debt. I asked for the signed contract with my signature to prove this account belongs to me and you have not done that. I did not ask for a statement on my consumer report stating that I am disputing this account. This account needs to be removed completely asap. I have sent them communication and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal inc has frozen My account without giving me a reason. They are violating my rights and making hard for me to receive my remaining cash. They said I could send my self a check or cash out my remaining funds. In the PayPal app is not letting do any XXXX of these things and I would like to have my money back as soon as possible they are holding {$1200.00} of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22 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: NC

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 furnished my account without my written instructions.

15 U. 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 credit reporting act.

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 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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
AFTER 5 MONTHS OF FIGHTING WITH COMENITY BANK TO REMOVE INTEREST THAT THEY WERE NOT DUE. THEY HAVE PLACED THE REFUND IN THE CLOSED ACCOUNT AND ARE HOLDING MY CHECKING ACCOUNT INFORMATION XXXX WITH TWO FRAUDULENT CHARGES THAT THEY HAVE NOT REMOVED, AFTER TELLING ME IT WOULD TAKE TWO BUSINESS DAYS FROM XX/XX/2022 TO REMOVE THEM. THEY SENT ME A MESSAGE TELLING ME TO CONTACT THEIR FRAUD DEPARTMENT - TO BASICALLY REPORT THEM TO THEMSELVES ( COPY OF MESSAGE ATTACHED )! I AM TIRED OF GETTING THE RUN AROUND FROM THEM, THEY HAVE AN I.T. UPGRADE PROBLEM SINCE XXXX THAT THEY HAVE NOT RECTIFIED AND THEIR CUSTOMERS ARE SUFFERING THROUGH THIS ORDEAL THAT THEY HAVE MADE WORSE INSTEAD OF BETTER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Made numerous cash transfers to XXXX during the last XXXX years. Transactions were confusing and information misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I had a dispute with XXXX over charges to my account. The dispute was not resolved and XXXX charged my credit card without my consent. The charge amount was {$160.00}. I called and reported the dispute to my credit card company - Avant. They briefly took off the charge amount, then added it back. I called the company and they said they could not help me and gave me the number to a " specialist '' that was handling my account. I can not get through to a live person at this number. Left messages - this does not even sound like someone that works for the same company based on the voicemail. Now my account is over the limit due to this reversed charge. 

AVANT CREDIT CARDs - terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I seen these inquires on my report that i have no knowledge of. I think my information was used in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: SC

Complaint narrative:
My account with chime was closed, I sent out proof of income, residence, and my ID. And still have not received my money. They are trying to keep my money and I dont appreciate that, it shouldnt take that long to give someones money back and My attorney already knowings and Im going to file a law suit if my money isnt returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: MO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-22 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: Rocky Mountain Capital Management
State: MA

Complaint narrative:
I have several inquiries and accounts that are 100 % fraudulent. I have disputed, but to no avail, I absolutely didnot create accounts

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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:
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 explanation