vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
Hello. I was the victim of tax related identity theft in the year XXXX. Someone used the XXXX tax year to file a fraudulent tax return in my name, and they changed the banking information I had on file with the IRS from my bank, Bank Mobile Vibe ( now XXXX ) to XXXX XXXX XXXX. As a result, the first Economic Impact Payment of {$1200.00} was deposited into XXXX instead of XXXX. 

After more than three years of getting the run around from the IRS and XXXX, yesterday I received a check in the mail in the amount of {$1200.00} from XXXX XXXX XXXX as compensation for the stolen EIP. 

However, when I tried to deposit it into my Bank Mobile account by remote check capture, XXXX rejected the check. The stated reason was, " we have reason to believe the check is uncollectible. '' But beyond that " reason '' they did not provide a " reason '' they believe the check is uncollectible. Do they know something about XXXX that I don't? Has XXXX filed for bankruptcy and Bank Mobile " believes '' the check will not clear? 

I am under the impression this is a compliance violation. Now I must go the entire week end being left in the dark about funds I urgently need. I have met with considerable difficulty and resistance just getting the check. It has been such an abusive experience treating me like I am supposed to live without money, as if I can spin gold out of straw, to have my needs go unmet, obtusely, and abusively, by the financial services industry. 

I will attach a copy of the check and letter from 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 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, Im a PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email on XX/XX/XXXX. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. I primarily use my PayPal for Purchases like Video Games and Online entertainment. In addition, my PayPal is authenticated Everything I do on PayPal is completely legitimate. My id for my case is XXXX. Heres also a transactions that recently happened before i was banned - XXXX is the the only one i received everything else i purchased was entertainment and it was video games, movies etc. None of these violate the AUP or Anything on Paypal. To be honest, I have no idea what could have triggered this mistake. I reviewed it in in close detail. I looked on Paypal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window. Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a settlement offer on a file managed by XXXX XXXX XXXX. I settled and thought the matter was solved. Turns out I had another account that was taken to court. When I called/emailed to ask about it, I was given confirmation of the other account being settled. I emailed to get details and if I could get a settlement offer. The company has refused to communicate back with me about options to settle or to even discuss the account. The representatives are never available, I've left voicemails and emails and believe I only received one call back and when I returned the call, again they were not available. 

The agent 's names are XXXX XXXX and 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 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
The co. is GINNY 's. The latest communication was a letter from XXXX XXXX XXXX XXXX  XXXX dated XX/XX/XXXX, in which they included a copy of a Ginny 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. 
I phoned and spoke to a rep at XXXX on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that Ginny 's is referring to. ) The rep with whom I spoke told me he would let Ginny 's know that the merchandise was returned to sender. I have never shopped with Ginny 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX insurance nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did not open or use this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XX/XX/, SYNC/Ashley/Furniture is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says ( Company name ) is a furnisher of information to a consumer reporting agency. 
SYNC/Ashley/Furniture IS PROHIBITED BY LAW to furnish inaccurate information. I demand SYNC/Ashley/Furniture to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something SYNC/Ashley/Furniture have caused me and my family severe harm due to your negligence and inaccurate reporting. Cure and DELETE This is an Erroneous, inaccurate account SYNC/Ashley/Furniture need to Cure and DELETE this from my Consumer report. 

I sent a dispute letter to SYNC/Ashley/Furniture on XX/XX/XXXX  and requested they remove the inaccurate reporting of income on my credit 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 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Did not recognize or authorize this credit inquiry : 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 non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX Please review this case. I tried to add information that this company has placed on my credit report, negative information that I had no idea about. 

They sent their request to collect their debt to someone other than myself. 
XXXX stated that her conversation, which you have taped, was sent to XXXX 's address. 
I have never lived on XXXX. 
The email address that was sent is not mine. 
I still do not have the information that the account was paid to date. 
They have not sent me a receipt either, and I have been so stressed that I am a XXXX XXXX survivor, and now I have to go back and have my mammogram redone. I finished treatment in 2017. I have not had any issues until now. I was triple negative, and there are no drugs I can take to prevent it. 
I was shocked when I found this on my credit report, which is not valid. 
I'm raising an orphan, and now my credit is ruined. 
How can someone bill you and then, when you question it, pay it and report it to the credit bureau? 
This entire action is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: CITIBANK, N.A.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act the homedepot/CBNA, has violated my rights.

15 USC 1681 Section 602 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 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any other purpose

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 2023-07-22 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: FL

Complaint narrative:
another STALL TACTIC!!!! i put in so many hours researching this information just for transunion to not look into it. please take my case seriously. if nothing get done with this round i will be suing transunion

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 2023-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I called so manny times and ask which Acoount it is because XXXX appear as a charge off. the amount that Calvary Portafolio Services is first was {$18000.00} after a few months is {$19000.00} why the amount went up? I called again they said the they can not give me the account number call XXXX. The amount that I own XXXX I don't have any amount with the number that Calvary has it. I just need to know from where comes the amount of {$19000.00} they refuse to give me information from where comes that amount. the account that appear on my report says charge off and no one has that amout.You can check with XXXX how manny times I dispute it asking which account it is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We took out a home improvement loan for the installation of new windows. The installation of the windows were not done properly and damaged. I was contacted by the XXXX XXXX after the installation was done, asking if I was satisficed with the installation, which we weren't. I contacted them via their website customer service link and said so and, do not fund the loan. I was waiting for the window company to respond to my complaint. I than called them, because I did not receive a response from them and talked to a service rep who took down my information and said a complaint would be generated and I would hear back within a week. I didn't. I called yesterday XX/XX/21, to follow up on the case and was told the loan had been funded. I ask why they would fund the loan when I was not satisfied with the installation and damaged window. The response was basically, there was no one from the appropriate department to help me and to call back on Monday. 
I advised the rep that I will not be paying the loan until the damage window was replaced and why would you fund a loan when there was a dispute. Again, that was not her department and to call back Monday. 
To me, this is a direct attack on my credit and a violation of the terms and conditions of the loan.

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 2023-07-22 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
3 ACH Transfers were taken from my account in the amounts of {$900.00}, {$900.00}, and {$500.00}. for a total of {$2300.00}. according to the Navy Federal Credit Union The person that removed these funds is XXXX XXXX. This was done on XXXX XX/XX/2023. The Credit Union contacted me and asked if I authorized these transactions and I said no I did not! Since then every time I contact the Navy Federal Credit Union they tell me that their security department is backed up and or working on it. That is the only information they have given me to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested per 26 u.s code 108- for all discharged information to be removed. Credit Reporting bureaus do not and can not report income.

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 2023-07-22 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: LEXISNEXIS
State: CA

Complaint narrative:
I have requested per 26 u.s code 108- for all discharged information to be removed. Credit Reporting bureaus do not and can not report income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: NV

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.

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 inructions 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 2023-07-22 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: AL

Complaint narrative:
Investigation took more than 30 days or Their investigation did not fix and error on my 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 2023-07-22 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: AR

Complaint narrative:
I have submitted a police report to all 3 bureaus. Im getting the same automatic emails and responses. They re-inserting fraudulent accounts on my credit report. They saying the accounts are update or verified & they not giving me the method of verification. They not calling any guidelines & letting these accounts reappear on my credit file.

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 2023-07-22 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: AR

Complaint narrative:
I have submitted a police report to all 3 bureaus. Im getting the same automatic emails and responses. They re-inserting fraudulent accounts on my credit report. They saying the accounts are update or verified & they not giving me the method of verification. They not calling any guidelines & letting these accounts reappear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: DC

Complaint narrative:
I missed two payments with Discover and they did not notify after either of the missed payments, nor did they notify me of any past due payments. I called the company and they confirmed that they did not send any notifications around past due or missed payments. Had they done this after the first missed payment I could have remedied the situation, not missed a 2nd payment, and not had my credit score impacted by the late payment ( s )! Discover confirmed they have a department that provides this type of notification service but it is unknown why I was never notified and why I did not receive the same service other customers receive.

Company response to consumer: Closed with explanation