vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an XXXX card for XXXX and XXXX XXXX XXXX. I first got the card in 2020 and have been using it until recently with no problem. I have now tried to use the card twice at 2 different BofA locations at the ATM. Each time I used it, after I enter my pin, the machine cancels my transaction. I was able to go to a teller the first time and they pulled it off. The second time put me in a financial bind because it was after bank hours. My card is not expired or frozen and Im using the correct pin.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
I have been a victim of identity theft and a fraudulent loan account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

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 2022-12-16 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: Marlette Funding, LLC
State: OH

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXXXXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

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 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a {$23000.00} check it was a third party check of my son 's that I'm the power of attorney for his finances well he's XXXX they cashed the check on XX/XX/XXXX and it was submitted into a family members account and they were {$850.00} overdrawn and since then they refuse to release the money to me so they were supposed to release the money back to my lawyer and as of today they have not yet and here it is 6 months later so I expecting XXXX after they take out {$850.00} buck

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
I have started the my dispute process with this company in XXXX XXXX Their investigation was a generic response ( please see attachment ). 

There are a number of inaccuracies on my report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation. All of my letter have been sent certified mail. Please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXXXXXX XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXXXXXX XXXX  has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: ND

Complaint narrative:
They are spoofing numbers and calling me repeatedly about my ex wifes vehicle. I believe they are either working for United Auto Credit or they are a debt collector who bought the debt. Ive given them her number and even told them where she parks the car but they continue to harass me. They also call from other numbers and leave me voicemails at XXXX  every night. 

I have received the following call and voicemail from XXXX ( XXXX ) XXXX every night at XXXX for months. 

Transcription : Hello this is United auto credit and we need to speak with you today we are open between the hours of XXXX XXXX XXXX XXXX XXXX central standard time Monday through Friday and from XXXX XXXX XXXX XXXX XXXX central standard time on XXXX  please give us a call at XXXX thank you When they call they will repeatedly call from different numbers every couple of minutes so that even if I block one number my phone continues to ring. I have repeatedly asked them to stop calling me because I cant help them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
It has come to my attention that my personal data has been compromised. As a result my right to privacy has been violated and Equifax , Inc. is responsible. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion and XXXX have refused to remove an illegally placed bankruptcy from my credit report. After numerous disputes and phone calls to them, even provided proof directly from the court house that this was no a legitimate bankruptcy they continue to respond to my dispute with the generic the item has been verified which is completely false and frankly a LIE. I have contacted and visited the court house personally and they indicated they do not share information with the credit bureaus as it violates FEDERAL LAW. I have demanded proof from TransUnion surrounding their verification methods, which they are required to provide by law and they have failed to provide and supporting documents of follow the law. This is a clear violation of my civil rights and I will be seeking to litigate in a federal court with an attorney if this is not resolved in a timely manner.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a credit alert from my bank stating that there were 3 credit cards opened in my name on XX/XX/22 and XX/XX/22. These were all fraudulent. I spoke to all 3 companies and had them cancel the applications. 

XXXX XXXX XXXX- opened XX/XX/22 XXXX XXXX XXXX. - XX/XX/22 JPMCB CARD Services- XX/XX/22 I also noticed that a credit card from XXXX has also been opened on XX/XX/22 which is also fraudulent. I wanted to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 2022-12-16 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: NY

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. 

Account name : 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 explanation
Consumer complaint received 2022-12-16 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: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
This is an addendum to CFPB complaint # XXXX. The Merchant, XXXX XXXX XXXX has acknowledged receipt of cardholder 's direct payment via postal money order to settle the disputed {$750.00} credit card charge. See attached email. However, Barclays bank refuses to cancel the {$750.00} credit card charge. Therefore the Merchant received {$1500.00} instead of {$750.00} which constitutes a double payment.

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
I was mailed a letter in the mail 2 years ago letting me know about a debt with a mini storage that I've never rented a storage from. I've been to that mini storage 1 time to inquire about renting a storage but the prices were not within my budget so I left never signed a contract for one. I lost my wallet XXXX of XXXX at a friend 's house. I canceled all my cards after this happened but my ID and social was in the wallet. When I became aware of this situation with the storage company I contacted the collectors they sold the debt to only to be told they have my signature and had to phone hang up on me. I've never heard from these collectors since then but they keep reporting this debt on my credit report. I've never had a late payment on any of my credit cards or loans. This debt is harming my credit dramatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
on XX/XX/2022 i file a dispute with DYNAMIC RECOVERY SOLUTIONS several times actually because this account is not mines and it wasn't me who open this account. Member denied all my disputes i filed. I also called them to explained to them that my identity was stolen and several different accounts was open with my name and they told me i would still have to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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:
XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: NJ

Complaint narrative:
XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law XXXX5 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.

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 2022-12-16 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: OR

Complaint narrative:
I was defrauded in the amount of {$9900.00} in my Bank of America account # XXXX in six transactions from XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX, I was contacted by an individual claiming to be an employee of Bank of America XXXX He was calling from the same phone number that was on the back of my Bank of America debit card ( and he reinforced that point ) and that there was fraud activity on my account that needed immediate attention. He indicated that I needed to move money to this fraudsters account so they could actively pursue this individual and press charges against him. 

Per there recommendations, I moved money via Bank of Americas XXXX app, and it seemed very legitimate since this individual was calling from a Bank of America phone number and never asked me to give out my bank account number or information. 
The same individual called back on XX/XX/XXXX and said that several other money moves would be made, but these were normal to pursue this fraud, and all money would be credited back to my account within 7 days. 

After figuring out that this may be fraud, I called Bank of America fraud department on XXXX  directly and they opened a claim for me. The claim # was XXXX ( and was also referenced case ID # XXXX on the phone ), and they said the individual that opened that account was from a XXXXXXXX XXXX ( account number was not given to me ). 

I also opened up a local police report here in Oregon ( case # XXXX ) with XXXX XXXX XXXX XXXX ), but he said that nothing would be done on their end. 

On XXXX I received notification from Bank of America via email that my claim was denied and the funds were non-recoverable. 

My complaint is against Bank of America ( as well as XXXX XXXX  ). These banks are the parent companies of XXXX and are clearly not doing enough to protect consumers, vet existing customers ( that are opening accounts as fraud ) and recover fraudulent funds on behalf of customer ( that are their own customers ). This is just wrong.

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 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I had my account setup to make biweekly payments to my mortgage accounts. Due to an antiquated payment processing system, the biweekly payments weren't being applied correctly and caused my account to incorrectly reflect as past due. I called on XX/XX/ and a very helpful agent fixed my account through the following actions : a. Took a payment for {$3600.00} over the phone to settle my unapplied XXXX XXXX  payment. 
b. Put in a request to issue a early partial principal payoff of {$1800.00} which was applied to my account on XXXX XXXX XXXX  per the attached statement. 
c. Additionally, I made two payments of {$1800.00} each on XX/XX/ and XXXX XXXX XXXX These two payments were combined as applied as my XXXX payment. 
d. On XX/XX/, I made a payment of {$3600.00} against my XXXX payment due. 

A refund check for a partial payment of {$1800.00} was apparently processed on XXXX XXXX XXXX   I never received this refund check. I called twice and was told to wait for USPS regular mail delivery of said refund check. The second time I called, I spoke with XXXX XXXX who gave a refund check # XXXX and was told to email her if I did not receive the check after XXXX. I emailed her at XXXX but never received a response. After waiting until early XXXX, I called a third time. The agent helped request a new refund check and voided the original refund check. I was assured the new check will be sent via a trackable mailing service. The agent also indicated she would call and email me with the tracking number once the check gets mailed out. I received neither. 

It's XXXX XXXX XXXX  and I am yet to receive the replacement check. I called a few minutes ago and the phone agent wasn't of any help. I sent a secure message using the Loan Depot messaging service within my account login. The response I received from the Loan Depot representative is illogical and ignorant to the concern on hand. 

It's been six weeks and I find it unacceptable that LoanDepot would take such an insensitive approach to this issue. Please advice on the status and when I can expect receipt of the refund check.

Company response to consumer: Closed with explanation