vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT 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 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 2022-06-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT 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 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
There is an account that was reported on my XXXX credit report for XXXX XXXX. This account was opened on XX/XX/2016. I have disputed this charge multiple times as we do not owe this false charge, however the charge continues to re-appear on my credit report. This charge has been bought out by several different agencies. XXXX XXXX was not authorized to charge me and all balances were paid in full upon closing our account with XXXX. We have contacted XXXX XXXX several times attempting to settle this matter directly with them but XXXX refuses to make any changes. I will go to all measures necessary to ensure this is made right and the charge is dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: FL

Complaint narrative:
On XX/XX/22 I contacted XXXX and trans Unio in regards to in authorized inquires on my account Ive mailed the information request and these inquiries are still being reported and showing on my report. 

I have attached the inquires the highlighted ones are accurate

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 2022-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have reached out to credit acceptance multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " credit acceptance '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible 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 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have been trying to pay my Comenity Victoria 's Secret card bill for over a week now. Can not use the card for purchases. I tried accessing their website to pay my bill and they are having a system outage. I tried calling them and no one is available for calls. This company isn't releasing any information over what is happening NOR are they offering to waive late fees. This has been from XXXX through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
i have never ask for my medical information to be release once i inform them of that they have violated the HIPAA LAW they told me no they have not because they partner with the hospital XX/XX/2022 was first reported on my credit report Amont : 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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank will not allow me to draft any money. 

May you please request that someone call me as I have not been able to resolve with Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc.
State: OH

Complaint narrative:
Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was ARS Natl Svc. No voicemail was left. 

Received letter on XX/XX/XXXX from ARS National Services, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. 

Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, ARS National Services must include a pre-populated form detailing how to dispute the debt validation. 

This is a clear violation of federal law that this company had no intention of following.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I would like to file a formal complaint against PHH Mortgage Services for inflated payoff cost, XXXX discrimination, and retaliation after my initial complaint. Locations that I previously sent written disputes ( see enclosed communication dated XX/XX/XXXX ) in an attempt to resolve my complaint, include : PHH Mortgage Services XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PHH Mortgage ( Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Ocwen Financial Corp ) Attn : XXXX XXXX, Chair of the Board XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX Complaint recap On XX/XX/XXXX, I requested a payoff statement from PHH. PHH provided a payoff statement on XX/XX/XXXX for {$68000.00} good thru XX/XX/XXXX. PHH also provided the title company with this amount. On XX/XX/XXXX my family closed on the estate property, and XXXX XXXX company wired the payoff amount to PHH. On XX/XX/XXXX, PHH contracted with attorney XXXX to accelerate foreclosure on our family home and sent a XX/XX/XXXX revised second payoff statement with the same XX/XX/XXXX good thru date to include additional appraisal fees, but did not communicate this fact until after the sale. 

The second payoff amount was {$69000.00} a difference of {$790.00}. On XX/XX/XXXX attempts were made to resolve this dispute, but PHH would not accept payments until another, third, payoff statement was generated. The third payoff statement dated XX/XX/XXXX in the amount of {$71000.00} now included fees of an additional {$2500.00} and noted FORECLOSURE status on the statement, unlike previous payoff statements. I wired the difference between the amount sent by XXXX XXXX XXXX ( {$71000.00} - {$68000.00} ) and the newly inflated third PHH payoff fees on XX/XX/XXXX with the intent of filing a claim to seek reimbursement and report PHHs deceptive unethical practices. 

I believe that my family and I have experienced XXXX discrimination due to the history of fees assessed to families of XXXX as well as being the victims of inflated predatory fees while attempting to close our loan with PHH. For these reasons, I am asking for an investigation of PHHs inflated fees and reimbursement of {$2500.00} by PHH for fees paid after our home was sold and paid PHH the original payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TN

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I made a account with XXXX on XX/XX/XXXX to get into the hype of investing in crypto currency. On XX/XX/XXXX however my account was hacked into and was used to purchase crypto currency for {$1000.00}. Then the currency bought was then transferred to a Third party wallet. I only knew of the transaction because of an email that XXXX sent to me. I immediately contacted there customer support and went through a process through the next couple of days to secure my account with them only for them to tell me that they are not liable for what happen and could not help me. I then proceeded to go to my bank golden one credit union and file a fraud claim on debit card and after there investigation they failed to help me as well with this fraud. They told me that the information they received was mine but failed to understand that someone had hacked into the XXXX account which had personal information on it and had my debit card on file which they used to purchase said currency. Even after telling my bank this they failed to understand and kept giving me the same answer and it just felt like going in circle. Which lead me to here for a last effort to try and get my money back.

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 2022-06-27 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: TX

Complaint narrative:
Attachment of non-verified line item provided- Credit Bureaus currently displaying non-verified information, thus breaking the law. They have yet to provide evidence regarding account ownership and the method of verification. They have not provided any documentation regarding their investigation.

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 2022-06-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act AD XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Fraudulent transactions occurred on my account and Wells Fargo has refused to reimburse me. Wells Fargo is in blatant violation of Regulation E, a protection for consumers in situations like mine. They refuse to respond to specifics and have lied to not only me, but the CFPB, XXXX, and law enforcement as well. Wells Fargo is a multi-billion dollar institution that has millions of insured dollars to protect customer like me. However, they get greedy and malicious because they believe they can get away with scamming me out of my money since I am a young customer. The acceptable solution of this situation is the immediate return of the {$5700.00} in fraudulent transactions that is rightfully mine. I have already contacted the OOC about Well Fargo 's violations of Regulation E and consumer protections. If they continue to skirt the law, they may leave me no choice but to pursue legal resolution. Wells Fargo has been wasting my time, sanity, and livelihood by not doing the right thing in 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 explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear someone who may concern I applied America Express Hilton Honors Surpass Card in XX/XX/2022. According to the advertisement I can earn XXXX Hilton Honors bonus points after I spend {$2000.00} in purchases on the card in the first three months of card membership. My friend referred me and I applied this card online with him together. The entire application process is so smooth and I get my card information directly after file my information. There is no pop up or any notification during entire application. My friend can prove it. Then I get my physical card 5 days later. 
I made almost purchase or payment by using this card to fulfill the welcome offer as early as possible. America Express charged me annual fee in XX/XX/XXXX. And I achieved the all requirements in XX/XX/2022 to get the welcome offer. But I haven't received any offer rewards until now. Last week I reached out the customer service. They said I am not eligible to get welcome offer. However I haven't received any notification about " I am not eligible of offers '' from any forms. 
I contacted America Express customer service multiple times. First time, their excuse is I used a function of my other card. Actually I haven't use this function anytime. Second time, their excuse is I already got welcome offer from my first and only Amex card called Blue cash prefer card. But this is unreasonable since these two card is unrelated. And they didn't clarify this is only for first applicant when I am applying. They used different unreasonable excuses and even clarify this is Non-Amex fault to avoid their responsibilities. 
I logically think this action is FALSE PROMOTION and violate the transparence between Financial Companies and Customers. I request America Express provide me the Welcome offer. 
Thank you. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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