vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc
State: CA

Complaint narrative:
I have XXXX stored on BlockFi digital wallet. Per XXXX  they can not use those funds or lend it out yet I am now unable to access my wallet or transfer out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINANCIAL ACCT XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX TAX FOR XXXX ) Breach of trust {$500000.00} liability XXXX XXXX. subsection c laundering of money under XXXX XXXX, civil rights act XXXX, and trespassing. 
according to ( XXXX XXXX XXXX ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. 
Tax owed by taxpayer {$38000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, XXXX, XXXX, XXXX Original issue discount Forms XXXX violation of XXXX, XXXX civil rights Acts. stealing XXXX funding 40 % of taxpayer money and putting it in a private XXXXXXXX XXXX and XXXX. 
The tax forms XXXX, XXXX, XXXX, and XXXX, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$38000.00} to ally that was delivered to the on XXXX XXXX at XXXX pm After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] - right to rescind the contract On XX/XX/XXXX Ally financial without notice unlawfully stole my automobile from the parking lot at XXXX XXXX XXXX XXXX, XXXX Florida 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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX paid XXXX in full for removal. XXXX has removed it XXXX has removed equifax has not it has been disputed many of many times in 2022. Equifax has not looked into dispute because it would have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX AV, XXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : 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 2022-11-19 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: Kansas Counselors, Inc.
State: GA

Complaint narrative:
I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
My card discover card was charged fraudulently on XX/XX/2022 for XXXX and on XX/XX/2022 for XXXX by a company I had already closed my acct with. I called apetroptics on XX/XX/2022 and spoke with agent XXXX to close my acct. on XX/XX/2022 it was brought to my attention that apetropucs is continuing to charge my account. I called and spoke to discover and spoke with XXXX XXXX and XXXX. I didnt catch what cities these agents were in. They told me that because I had previously done business with this company that they can not dispute these charges because of this and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have a Capital One Quicksilver card with a credit balance of {$220.00}, yet for the past week, Capital One claims I have {$0.00} in available credit. After several phone calls to their overseas call center, I was finally transferred to a call center in Arizona after I lost my temper. The Capital One representative claimed I had no available credit despite the {$220.00} credit surplus, which he acknowledged. I was told I could not access my credit for 26 more days because the overpayment I had made had not settled despite the fact that it was paid to Capital One via my local bank 's billpay service. I asked for interest to be paid on my {$220.00} credit or for it to be returned immediately to my local account where it would draw interest. I was told that it could only be returned via a paper check through the notoriously error-prone USPS, and then only after 15 more days had passed. I asked for the money to be transferred to my Capital One 360 Savings Account. That request was denied, too. This is the one time of the year when I need total use of my money and credit. I have waited and saved all year to be able to shop for XXXX  at this time of the year. Instead, Capital One refuses to make my money and credit available to me nor pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NM

Complaint narrative:
I did not open XXXX XXXX XXXX  account, nor authorize my father to also open XXXX XXXX XXXX XXXX ( by using my Social Security Card ) and to a house that he also put under my name without even asking me. Restore my credit score back to the previous score, it was at XXXX, now its at XXXX. Collectors are : MRS BPO - XXXX XXXX XXXX XXXX XXXX, NJ  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: Nelnet, Inc.
State: AR

Complaint narrative:
In 2019 I requested was granted a forbearance on my loans by Nelnet, however one month, the month of XX/XX/2019 shows a 90 days past due on all XXXX loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have XXXX. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
EASTERN ACCOUNT SYSTEM put a collection on my credit on XX/XX/2022, somebody opened that account fraudulently on XX/XX/2022, balance owed {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 
So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer Credti Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For over 34 days, B of As frauds dept has linked my mobile banking app. I had been sacked some time ago but they need not do this every day. They will not verify my account, keep telling me to go into a bank. Ive done so 3 times, the last time walking XXXX miles in a XXXX XXXX 

I changed my phone number 30 days ago but B of A still has not corrected it. Ive never seen such poor customer service in my life. My number is NOW ( XXXX ) XXXX but they have something else. I went inside and the lady did not understand me. My atm card works fine but their XXXX mobile banking app doesnt. 

I need this fixed immediately. It wont let me change my password, just keeps looping to the same questions, last XXXX digits of my atm card and my social then I press continue and it does it again. I did it XXXX times once. Look at the transactions and youll see.

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 2022-11-19 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-19 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. 
Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.

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 2022-11-19 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: EQUIFAX, INC.
State: AR

Complaint narrative:
In XXXX I requested was granted a forbearance on my loans by XXXX, however one month, the month of XX/XX/ shows a 90 days past due on all 11 loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have medicaid. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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