vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I deposited a business grant for XXXX from the county of XXXX XXXX. The grant was made out to my husband they forgot to put my name as well. I went in to Bank of America I endorsed they had no problem. Well the back office at BofA closed my account. On XX/XX/2023 the bank said they sent me out the funds and I should receive in XXXX days nothing ever showed up. Called again XX/XX/2023 BofA said they reissued another check for XXXX same thing XXXX receive in XXXX days. Well its now XX/XX/2023 no check. I called again and asked if the could overnight me or let me go into the branch to pick up my funds since my account has been closed since XX/XX/2023. Bof A stated they cant its their policy policy???? To hold the consumer or clients monies? I found it really hard to beileve? Im in complete violation with the county because when. I received the funds I had 60 days for grant to be spent??? And BofA is holding my money playing games.., I need help

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 2023-09-09 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I used my Home Depot card to finance my new roof including materials and installation. The roof is leaking causing water damage inside and outside my house so I contacted Home Depot. They told me to contact XXXX Warranty Claims Dept which I did and as requested sent XXXX shingles purchased from Home Depot. In XX/XX/2023, XXXX for Claim No XXXX said there is nothing wrong with the shingles and the damage was caused by the installation of the roof. XXXX told me they would contact Home Depot. I have not heard back from XXXX or Home Depot. The roof is guaranteed for 16 years.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act ( Self lender_XXXX ) XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 section. 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A XXXX party trying to collect for a debt not owed to them! 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to 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 non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit score was adjusted last month back to what it should be : no missed payment ever. It also went back to a XXXX credit score. However, it appears that fix was short-lived. My score just dropped another XXXX points and it says I have a late payment recorded by XXXX in XXXX. This is only happening at Transunion. Transunion says XXXX late payment in XXXX and my credit score is XXXX. XXXX says no late payment and a XXXX XXXX of XXXX. XXXX shows no late payments and a credit score of XXXX. Transunion score went up approximately XXXX points last month when this issue was finally resolved. However, it came crashing back down XXXX points again this month. I'm not sure how Transunion corrected this on their end but then started again incorrectly reporting a late penalty but it was fixed and now it's not. I need help with this ASAP. This issue has been going on for over XXXX months now. We are actively shopping for a new vehicle and I should be getting the most favorable rates with my XXXX credit score. The Transunion score of XXXX is extremely detrimental to my ability to get a loan and at the rates I should be able to get.

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 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I identified two unauthorized credit inquiries from JPMCS Card services dates XX/XX/2023 and XX/XX/2023. I made numerous attempts to contact Chase to remove and report and the one time i managed to get thru to them i was given the run around to different departments, ending on a our office is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( LIGHTSTREAM ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( LIGHTSTREAM ) of any sort.

In regards to The company ( LIGHTSTREAM ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( LIGHTSTREAM ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

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 2023-09-09 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXXXXXX XXXX  ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
UCC1-308 ALL RIGHTS RESERVED NON-WAIVED MIDLAND CREDIT MANAGEMENT WAS NOTIFIED BY A CEASE AND DESIST DATED XX/XX/2023. XX/XX/2023, LOOKING AT MY MOST RECENT CREDIT REPORT, MCM HAS VIOLATED THE CESE AND DESIST. THIS IS NOW SUBJECT TO LEGAL ACTION. NOT ONLY THIS HAS HAPPENED, WHO IS THIS COMPANY AND WHO ARE YOU REPRESENTING BECAUSE I HAVE NEVER HEARD OF YOU. ITHIS IS AGGRAVATED IDENTITY THEFT TO THE HIGHEST EXTENT BECUSE THIS ACCOUNT DOES NOT BELONG TO ME. 

MIDLAND CREDIT MANAGEMENT HAS COMMITTED SERIOUS VIOLATION ( S ) WHEN IT PERTAINS TO MY CONSUMER RIGHTS. MCM IS IN VIOLATION IS IN VIOLATION OF : 1.5.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 2.15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 3.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 4.15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 5. 18 USC 1028- AGGRAVATED THEFT 6. 15 USC 1692 e ( 8 ) - FALSE OR MISLEADING REPRESENTATIONS 7. 15 USC 1601- TRUTH AND LENDING ACT MCM ALSO VIOLATED A CEASE AND DESIST ORDER ( CEASE AND DESIST SENT XXXX  ) EVERY VIOLATION THAT HAS BEEN COMMITTED, I WILL BE SEEKING {$20000.00} PER VIOLATION. YOU HAVE 3 DAYS TO RESPOND AND REMOVE OFF OF MY CREDIT REPORT ( S ).

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Was contacted on XX/XX/23 through XXXX that my credit report showed a new collection account. Saw that the collections agency, Sunrise Credit Services , Inc., had placed a collections regarding an XXXX XXXX XXXX  debt. When I called them, they stated the account was originated in California and sent me a fraud packet to fill out. The debt was for {$2000.00}.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Credit Bureaus, There is information that on my consumer report that is a result of identity theft .I did not provide written permission or instruction for the identified transactions to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted .My request to block is not being made in XXXX, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transaction by me as the consumer : You have 4 days to remove and blocked ALL THE INQUIRIES ON MY CONSUMER REPORT The account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Credit Bureaus, There is information that on my consumer report that is a result of identity theft .I did not provide written permission or instruction for the identified transactions to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted .My request to block is not being made in XXXX, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transaction by me as the consumer : You have 4 days to remove and blocked ALL THE INQUIRIES ON MY CONSUMER REPORT The account below : 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 2023-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off my account balance of {$1700.00} on XX/XX/2023. The payment did not post until XX/XX/2023. The credit card company then charged the account {$2300.00} in interest which they say posted on XX/XX/2023. Now my balance is almost double that what it was prior to paying it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
XXXX XXXX XXXX  I sent a Notice of Dispute letter to Hillcrest Davidson & Associates LLC to date the company has not responded to my request and according to FDCPA 807 ( A ) this company is clearly in violation to the law. It is their duty by law to report my dispute of this alleged debt they are attempting to collect from me to the Credit Bureaus on my behalf indicating this alleged debt is in dispute, I have proof they have not performed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account number : 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( ( XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I lost my job and called all my cresit card companies to pay them off in full. I explained that I will not be able to pay anything so I wanted to pay anything amd everything owed. I took a loan out to do this in the amounts given. I paid them exactly what I was told was owed. I now see interest fee 's on all 3 accounts from Chase bank. All other creditors are exactly as we discussed. I was also told they were waiving 1 month of interest in tje amount of {$100.00}. This still has not happened. I've spent countless hours on the phone with them. They trasnfer me back and forth and have continued to make promises not kept! I'm frustrated. I would've made different choices had this been brought to my attention. I know they say all calls are recorded. Its all there in the recordings I do not have access to. Please, please help me. I know it may not seem like a lot but to someone who has no income, who chose to pay my bank credit cards off first it is a huge deal. Its very upsetting the way they talk to you, tell you what you want to hear then ask for a great review at the end of the call and make false promises. I can try amd print the statements and send them to you so you can see. It was showing a XXXX balance on 1 card XXXX, chase and then all of a sudden it was nearly {$1200.00} owed. I had not used it but for an ac repair of XXXX and when I asked how {$400.00} turned into XXXX I was told pending transactions?! I didn't have any since I had paid the card off. The last time I used the card was over a week prior for a vending machine while I was in the hospital. That is not {$1200.00}. Now when I try to print my statements its a blank screen. I need help amd don't even know what questions to ask aside from " where did this amount come from " again I was told pending transactions, that do not add up to that amount. If I could please get your advice and some assistance. This bank has made a fortune off of me. I was always on-time with my payments. I had auto pay set up until XXXX. I have paperless and it will not allow me print my statements!?!??? I can't even take a screen shot of it. I put the last 4 of all 3 account below. I do not have 2 of the cards. I cut them up some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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