vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX unauthorized XXXX charges totaling {$1800.00} were taken from my checking account. I should have noticed earlier but I didn't. I did not make these charges. I did not authorize anyone to use my bank account to make these charges. As soon as I realized what happened, I went to Bank of America and was told that I had to call customer service. I filed a claim with Bank of America and it was denied. I appealed that claim but was ultimately rejected. The letter I received from them said " The charge was authorized by you or made by someone who has permission to use the card or account. '' That is not true and they did not provide me with any evidence to the contrary. The customer service representative said that I was liable for the charges because I have previously used XXXX ( a total of 9 times, totaling XXXX since XX/XX/XXXX and used it 1 time during this time period and I excluded that XXXX charge from my claim ). I submitted help requests to XXXX and each time received email responses that contained no message ( see attachment ). I requested details from my XXXX account and submitted those to BofA but they denied my claim. I attached the XXXX trip data. I did check my bank account balance on the app during this time period but I did not look at transactions. I certainly would have caught this much sooner if I had but I didn't. I was only concerned with making sure I had enough money in my account for whatever purchase I was going to make. I never considered that someone would steal from my account. I feel that it is unfair and unethical for Bank of America to deny my claim. My claim was within the 60 day reporting window. My bank statement that contained an unauthorized charge was dated XX/XX/XXXX. I reported this on XX/XX/XXXX. That is 44 days. Thank you for looking into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14 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: CarMax, Inc.
State: GA

Complaint narrative:
CARMAX AUTO FINANCE is reporting an account as a charge off to my consumer report causing defamation to my character. CARMAX AUTO FINACE has filed a 1099C Cancelation of debt with the IRS for this account and is attempting to collect the same amount they wrote off from me on a written off debt that they were paid for. This is tax fraud and I will report you to the IRS. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. CARMAX AUTO FINANCE is attempting to extort me my furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, and 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 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 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 2022-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My gap coverage sent Truist a check to pay off the loan, there was money left over to be refunded to me. Truist cashed the check and kept the money that was to be refunded. I've submitted complaints and Truist responded they didn't receive the check. The gap company sent me proof that the check was cashed by Truist bank, so their response that they didn't receive the check is a lie. 
I have everything Truist sent me denying that they received the check, I also have proof they cashed the check in XXXX. 
I now want to discuss damages in the form of mental anguish, and inconvenience for the past 3 months.

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 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I had XXXX collection is from medical payment, the payment should be my previous insurance company cover the bill, but I dont know why I got the collection, no one call me or mail me. And I dont even know is what kind of bill it is. The amount is {$1700.00}. The date is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX 2022, I was notified via an old email address that a PNC bank account was opened in my name. I thought it was a scam email but decided to call the bank just in case since the email looked legit. Someone had opened an account with my information online and had access to online banking. I immediately contacted the bank and started the process to report it as fraud. I went into the branch and was able to report the account as fraud. I asked for a printout of the information and was able to determine the account was opened with my SSN, Name, Birthday and driver 's license #. HOWEVER, the address was a non-existent address, a fake phone number, and the license expiration date they provided, did not match my ID. I had already had a XXXX  lock on my file because of another account that was opened a week prior due to fraud, but PNC never used XXXX XXXX ( despite telling me they use it ) to verify any information. It has become SO easy to open an online account with addresses/phone numbers and incorrect license information which is ridiculous if companies ARE SUPPOSED to be using XXXX XXXX. I pulled my XXXX XXXX report, and none of the XXXX ( so far ) fraudulent accounts/banks used XXXX to verify my information. It is now XXXX 2022 and I am STILL receiving " Low Cash Mode '' emails from PNC bank, the issue has not yet been resolved... and the only reason I'm still hearing from anyone is because I've become annoying to the branch. My file has been " lost '' and " overlooked '' several times so I now check in with the branch WEEKLY!.. STILL waiting on a resolution despite being told that the account is closed and not available to anyone... so why do I continue to receive " XXXX XXXX XXXX '' emails on multiple email addresses for this account if it's " closed '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
ML ZAGER PC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 

I do not owe this debt they have no record of me signing for the medical bill and they refuse to delete this from my credit report. I spoke to debt collection agency ML Zager PC and they agree that I did not sign for the debt but will not report in to 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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A credit card I had opened with chase bank in XXXX of 2014 is still being reported to the credit bureaus. Due to financial hardship, the account fell behind and was closed. When I spoke with a company representative requesting to have the negative item removed when the debt is settled. The person I spoke with informed me that Chase bank will not comply with the removal of an item more than 7 years old regardless of whether it's paid back. The Fair Credit Reporting Act states that negative information that is more than seven years old may not be reported. I have tried to dispute the issue with Chase Card Services by speaking to one of their customer service reps to no avail. The credit reporting agencies have not responded to my request to have it removed. 

I believe the Fair Credit Reporting Act was instated to help people recover from their financial hardship. However, the employee I talked to said on behalf of Chase Card Services that they will not comply with the law regarding credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
KIA Finance. I am a lessee. I moved from XXXX to XXXX in XXXX and notified my insurer before I moved on XX/XX/XXXX and contacted KIA to transfer the title to XXXX  so I could register the car in XXXX. XXXX DMV received the title on XX/XX/XXXX and I registered the car that same date. KIA Finance paid XXXX for XXXX sales tax that was due for the year beginning XX/XX/XXXX but I was already living in XXXX, thus no sales tax was due. Before I even moved to XXXX  I notified the Sales Tax Assessor in XXXX, XXXX that I was no longer living in XXXX  and she gave me her name and email and told me to email her once my car was registered in XXXX and she would refund KIA the sales taxes erroneously paid by them. My monthly KIA car payments are automatically deducted from my bank account and they are up to date. But everyday a KIA finance agent calls me to pay them the XXXX  sales taxes of {$280.00}. Ive spoken to 5 people from KIA in the last 3 days, two of which hung up on me when I explain this isnt my debt. Today their collection agent claimed that I was late on my car payment because she said they switched my car payment to apply to XXXX sales taxes and it will go on my credit report as not having paid my car payment. She said they were allowed to apply the money paid to my car payment any way they wanted. I am spending hundreds of dollars overnighting mail to KIA and the State of XXXX only to have 2 KIA agents tell me they will destroy my credit unless I pay this money owed because KIA will not ask XXXX for a refund - implying it is easier to harass their customers to XXXX  instead.

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 2022-06-14 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: TX

Complaint narrative:
i have send tons of letters and i have not got a respond from the credit bureau about the concerned or any updated information 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 non-monetary relief
Consumer complaint received 2022-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NJ

Complaint narrative:
I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : 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 non-monetary relief
Consumer complaint received 2022-06-14 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: NJ

Complaint narrative:
I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
BASED ON AGE OF ACCOUNT BY EQUIFAX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AZ

Complaint narrative:
My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. Ive filed a police report with the XXXX XXXX XXXX XXXX ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. 
The following line Items were part of my request to remove from my credit report due to identity theft : XXXX. XXXX XXXX XXXX. XXXX different 30 days late on XXXX of XXXX files The following hard inquires are false : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Can I get some assistance in this matter. These people think they are infallible, which they are not. They listed my older brother as my spouse and I've never been married. It took me being tenacious to get this false information removed

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 2022-06-14 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: IL

Complaint narrative:
I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account : XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/2021

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Tried to temporary lift a security freeze on my account via the experian web site. I did not have my password but the website did not allow me to reset my password. It said that is was locked and I should call XXXX. I called the number but get into an infinite call tree. I was unable to speak with anyone and I'm unable to do anything online since it says I am locked out and there is no way to get out of the lock out. Very irritating.

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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX XXXX near my work & purchased a " SERVE '' by American Express card that I loaded with {$20.00} & paid a load fee of {$1.00}. When he tried to make a purchase it kept telling him that the transaction could not be completed. We called SERVE on the tele number on the card several times and they told me to go back to the store of purchase which was XXXX miles each way from our home & said they did not scan it correcty. But the store called their card company & was able to verify the purchase, date of purchase & the load amount. I was told it was an issue with the card issuer/Bank. So we called the bank SERVE several times again and was finally told to send them a photo of the Receipt from the store where ppurchased, a photo of the front & back of the card that was scanned at the store & copy of my drivers license. All which I emailed the same day on XX/XX/2022 to the email they provided to me for their " Activation Acceleration Dept '' of XXXX. They assured me they would respond with a resolution within 24 hours & thats been 3 weeks ago. I have tried to get a supervisor on the phone today for 4 hours & either they tell me they can not access my account & have to transfer me to another dept & then just disconnect my call or straight up hang up on me. This is not just about the money, this is more about principle and fair business practices & big companies like American Express should know better than to steal from customers & they need to make things right immediately! Thank you for your help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights.

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation