vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
You have no category to cover my specific problem. Lowe 's XXXX  Card expects my payment I said to them I refuse to pay for something that is defective and impossible for me to return. I also cancelled my Lowe 's XXXX  Card. XXXX XXXX admitted that XXXX XXXX sold me a defective product. I have no way of returning the defective product. Both Lowe 's and XXXX XXXX refused to pick up the defective refrigerator and provide me with a refrigerator that is not defective. I am XXXX XXXX XXXX in ill health and can not possibly move the refrigerator and I am unable to transport the refrigerator in my XXXX XXXX XXXX. I was told by XXXX XXXX the defective refrigerator must be returned to Lowe 's here in XXXX Florida at their XXXX XXXX store location to do a refund or exchange is what XXXX XXXX told meXXXX I had made several attempts to negotiate with the management at Lowe 's in person and by phone I spoke with Lowe 's on several ocassions between XXXX and early XXXX. XXXX XXXX 's had phoned me several times and I also spoke with them by phone several timesXXXX Lowe 's insisted that I must return the defective refrigerator for a refund or replacement. They give me no legal recourse.

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 2022-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2022, i received an email from Bank of america saying that they received my credit card application, i call them immediately to report it was fraud, not from my. they said they will solve the problem. in the morning XX/XX/XXXX, i received another email from bank of america saying that my credit card application was approved with XXXXXXXX XXXX limitted. I called them right away and they said they will cancel/close the account. then i contacted XXXX XXXX and XXXX to dispute the credit card inquiries.

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: First Technology Federal Credit Union
State: ID

Complaint narrative:
XXXX/22- bank acct was hacked via pH call via XXXX XXXX 
XXXX22- fraud div. At bank immediately notified that I had been hacked. They locked down my accts. 
XXXX/XXXX/22 local police were called to notify them of scam/hack. They took pics of emails/invoice XXXX rec 'd regarding the purchase/hack. 
XXXX/22- bank would not speak with me til I got a new pH/number. 
XXXX/XXXX/22 traveled to local bank branch and chgd all my accts, passwords, XXXX and contact info. Was told 10 days to recover money or given a provisional credit. Told at that time Hack was a total take over of my acct and that {$980.00} had been taken out of ckg and that hackers had transferred {$2000.00} out of my savings to ckg but had not taken anything but the {$980.00} when I had called bank and notified them. 
XXXX22- called bank about {$980.00} was told that XXXX depts working on it at that pt and neither one was doing anything. Complaint was sent to bill pymt unit for cometion. Also I was told that money had been sent to Bank XXXX XXXX and that there was an email of XXXX. original # I called that strated this was XXXX. Person I spoke with was XXXX ( male, XXXX decent ). 
XXXX22- ph 'd bank about any progress XXXX22- contacted bank again and was told my 10 day resolution had started over on the 22nd and that bank had til XX/XX/22 to give a response and they also said that holding out hope of getting money back was slim. 
XXXX22- ph 'd bank again. Left msgs with XXXX, ID branch and main branch in XXXX, XXXX. No response. 
XXXX22-. Rec 'd msg from bank that they were not returning my money and suggested I call the person I sent the money to and ask them to give it back. Returned msg stating this was not going to happen I didn't know the person and didn't want them having new info on me. 
XXXX22- spoke with fraud unit 2 x. They said they weren't aware of bill pymt ctr decision and would look into further. Fraud unit called me back some 3 hrs later and told me that I was at fault and I would have to XXXX up the loss. Told them I had no idea who took my money nor had I authorized the transfer nor did I have a XXXX acct. At a loss as to how to recover stolen money from my ckg acct.

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 2022-10-04 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:
I have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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:
I have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by me.

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 2022-10-04 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: NJ

Complaint narrative:
I reached out over 30 days ago and have not heard anything or received a letter 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 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have timely disputed a {$38.00} credit card charge placed on my CapitalOne card ending in XXXX by XXXX XXXX, on XX/XX/2019. I purchased a {$38.00} worth of gas, but my card was charged twice. I filed a dispute with the credit card issuer, Capital One Bank. Capital One Bank sent me computer generated copies of the invoice. It appears that CapitalOne Bank has been invoiced twice for same purchase and then I was billed me twice for what was a single purchase, a billing error caused by a computer glitch. I repeatedly asked CapitalOne Bank to contact the merchant and obtain any documented evidence of my indebtedness, more specifically my singed receipt, purchase agreement or any tangible proof showing that I accepted any goods for services in excess of the original {$38.00} charge. CapitalOne Bank failed and refused to help me in obtaining documents from the merchant. What I have been receiving from the bank is identical letters requesting unspecified information to validate my dispute. All my attempts to contact the Bank to find out what specific information is need needed to validate the dispute were to no avail. I provided the company with the copy of my purchase receipt clearly showing a single charge as well as evidence of my contacting the merchant. 

The federal law, the Federal Truth in Lending Act ( Regulation Z ), requires creditor to either contact the merchant and request documented evidence for the underlined indebtedness or make the credit permanent. Capital One has done neither and is holding my {$38.00} resulted from double billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I applied to a Colorado XXXX state program and they paid Freedom Mortgage {$17000.00} to bring the mortgage current on XX/XX/XXXX. Freedom Mortgage cashed the check, and put the funds into suspension. They have refused to apply the funds to the mortgage balance and are attempting to make me pay over {$19000.00} to bring it current ( additional interest, fees, and the new monthly payment ) and threatening to take my home. The state paid everything that was past due. Freedom Mortgage is stating they dont have to apply those funds because those funds are their own and not he state didnt pay this. They in fact did. Theyve stolen funds from the state of Colorado and are attempting to steal additional funds from me disguised as interest and fees and providing negative credit information as a result.

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 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The credit bureaus refused to provide their MOV ( Method of Verification ) for the XXXX Collection with ( ARS ACCOUNT RESOULUTION SERVICES ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently called in and requested a deletion of all inaccurate addresses that are listed on my credit report and it seems that all but two of them were deleted. As of XX/XX/2022 XXXX is the only bureau reporting these addresses that I have never lived at. 

On the call, I was told all inaccurate addresses, especially those that are not and have never been tied to any accounts of mine, would be deleted within XXXX XXXX and again, months later they still have not been deleted.

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 2022-10-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C. 1681 section 604 A States I have rights to privacy. 15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reached out over 30 days ago and have not received any response or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 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 2022-10-04 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 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 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: LA

Complaint narrative:
Hello, I am submitting a complaint today in regards to EDFinancial 's lack of clarity and inability to provide timely refunds. I had initially requested a refund for my student loans due to the CARES act, they gave me a completely unreasonable timeline as to when the funds would be returned, even though a number of my friends ( who are also going through EDFinancial ) have already received their refunds via direct deposit. They can not give me ANY transcripts of conversations with customer support, or provide any additional information as to where my {$5000.00} is currently. I have even been outright hung up on multiple times when calling an agent. My loan account has opened back up and has been opened for a month now, which has impacted my credit score, yet I still have no idea to where my funds are. In this economy, I can not afford the conflicting statements given to me by agents, lack of clarity from them, and most importantly so the absence of MY money. Emailing them has been met with no response and calls are difficult seeing as i am XXXX overseas. I pay for every call and each time I can not be provided with additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NC

Complaint narrative:
I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXXXXXX XXXX  reported XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NC

Complaint narrative:
I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXXXXXX XXXX reported 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 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit System is a company I don't know and never signed for its products or services. They have begun reporting on my credit report as missed payments. I do not know this company and I have not signed any contract or asked for any services. I demand this company be taken out of my credit. They must have the wrong person thinking is me. 
I have filed a credit dispute and have heard nothing from them or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB CARD SERVICES placed an inquiry on my XXXX credit file dated XXXX/XXXX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my XXXX and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for ( JEFFERSON CAPITAL SYSTEMS ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account XXXX EVEN OFFERED ME CELL PHONE SERVICE IN XX/XX/2022. IF I OWED THEM MONEY WHY WOULD I BE ELIGIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I called Nelnet on XX/XX/XXXX to request a refund for some payments I made during the pandemic pause. I asked for a refund of payments made on XX/XX/XXXX through XX/XX/XXXX ( totaling {$4900.00} ). I was told that the refund would be processed in 4-6 weeks and that I could call back for for information once the refund process was initiated. As of XX/XX/XXXX it has been six weeks and I have not been able to get an update. Every time I call Nelnet customer service, they tell me that the refund is still in process and they can't give me any other information.

Company response to consumer: Closed with explanation