vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
The company DISCOVERXXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to DISCOVERXXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer, did not give AllianceOne Receivables Management , Inc., its executives, XXXX XXXX XXXX XXXX XXXX, or its executives written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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.

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 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I am entering into repayment and was told that MOHELA was obligated to provide 21 days notice before my payment due date, which is apparently going to be on XX/XX/XXXX. I received a notice of auto-debit from MOHELA today XXXX XX/XX/XXXX ) and a notice of a message regarding repayment from MOHELA on XX/XX/XXXX. 

These notices are not 21 days or more in advance of my repayment starting. I have been unable to reach them my phone due to unreasonable hold times. I would like my servicer to follow the law and provide the 21-day notice required for myself and all borrowers.

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 2023-10-01 00:00:00
Product: Credit reporting 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:
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.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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.

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 non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a debt in the amount of {$890.00} that is not mine. I've tried to get it removed numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX 's payment portal was not working in XXXX and their customer support number ( XXXX ) listed on the back of the card is also not functioning. I called this number when the payment portal was down to check how I could make the payment but this number was not working at all. And then the card was reported delinquent ( 30days late ) by XXXX which is the underwriting company. How can i make the payment when XXXX 's payment portal and customer support number were not working at all. 

Then deserve opened a new payment portal and the card was paid off since then. The card has {$0.00} balance as of now. 
XXXX, the customer support manager who i spoke to in XXXX asked me to open a dispute with credit bureaus and told me the dispute department will fix delinquency reported issue. I have tried to dispute this with all three credit bureaus but XXXX is not fixing it. They keep sending the same result ( XXXX being late payment ) to all my disputes. 

I have called them several times and sent them several emails since then with no results. 

This has severely affected my credit score and has given me trauma as i was preparing to buy my first house. Please help me get this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: AL

Complaint narrative:
I was scammed by a seller on XXXX XXXX. The seller stole XXXX dollars and never sent the item. I tried to dispute the transaction, giving my bank as much information as needed ( pictures tracking numbers, screenshots ) and was denied and told to dispute the option with the seller. The seller has blocked me on all platforms and denied my refund request, so I am unsure of what to do.

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 2023-10-01 00:00:00
Product: Credit reporting 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: MA

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.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Requested update on PSLF qualifying payments after verification application, and the count remains inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc.
State: TX

Complaint narrative:
This company has charged my debit card multiple times for a subscription that is supposed to be billed monthly. I have been charged 4x in one day on some charges and twice in a month for others. Nearly {$100.00} in charges. I have chatted in with them and they have not explained the charges, only stating that I owe them. Unsure is this is a robot or a real person. There is no phone number to reach this company. I have asked multiple times to close the account and they are stating that I still owe them money that needs to be paid before closing the account. I have a checking account and debit card attached to the account. I was able to reset my banking password to prevent them from withdrawing from it. But my debit card is still on the app and the company will not allow me to remove it. Today, they attempted to charge my card again for {$11.00}. Unsure of the reason. Had I not locked my card, this charge wouldve came through. They just charged my card {$10.00} on XXXX and another {$10.00} on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting false information. XXXX XXXX XXXX is a creditor for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XXXX XXXX XXXX I loaded {$1000.00} from my XXXX XXXX onto my cash app card. I then asked for a money order for {$1100.00}. At XXXX The clerk at the store ran my cash app card for that amount and it came back as over the limit.AtXXXX  the clerk ran my card again but this time it was in the amount of {$1100.00}. It too was declined stating not enough cash. I immediately looked at my cash app balance on my phone and the funds were gone. The clerk at the store told me that Cash app never released my funds to the XXXX and thats why no money order was printed out. And my transactions were declined! I immediately called cash app customer service number. Talked to a live person and Cash app and was told that those funds were released to XXXX. The XXXX clerk called the store manager and told me the problem was on Cash apps end. I filled a dispute with Cash App and they denied my claim. I then went back to XXXXXXXX XXXX  and showed them that Cash app said that XXXX XXXX  had my money. XXXX then said that another manager was going to look into it. I waited 1day and went back to XXXX. XXXX then said upon further review that they didnt have the money but there was a dollar amount that day that did match my dollar amount but money was never received! Cash app states XXXX has the money. XXXX says Cash app has the money. All I know is I dont have it. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: SC

Complaint narrative:
To Whom this may concern, Chime has put a temporary hold on my account. They claim to have noticed some suspicious activity. However, this is not true. I have upload sufficient evidence proving that I am the intended recipient of the deposits made to my chime account. I have made several attempts to resolve the issue & give as best explanation as I could to fix the issue. I have sent numerous emails, I have made several calls and the company had made no progress in identifying the issue. The company has kept asking me repeatedly for documents that I have sent over & over to no avail! Please, I need help resolving this issue. I have money that they are holding and I have bills that I have to pay or I will be homeless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Collection is not mine. The amount reporting is {$760.00} from a creditor XXXX XXXX  This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
On XXXX payed XXXX on a balance of XXXX they double charged bank account to a total payment of XXXX tried to dispute they emailed me saying I made the duplicate payment of exactly XXXX when they dont even have a payment feature that over pay on the credi card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I spoke with Hyundai Motor Finance about my account balance was inaccurate, I asked them for itemized transaction records for everything and they said they would send via email and never did. I also had asked them to refinance the car loan and they denied it being an option. I told them the dealer said I would be able to refinance after 6 on time payments and they didn't allow me to. 
I also told them that the dealer used malicious business practices to hide the fact that I was paying 50 % of my payments to interest. They explained the per diem clause as a temporary amount I would be charged and the number would " get lower '' when I paid down my loan. They never explained that the per diem was the interest rate charge per day. They said the per diem charge would be applied to the first few months of the loan as a " process charge '' rather than the interest rate charge. 
They also took my {$10000.00} car and gave me a {$30000.00} loan and stated that there were Federal Taxes on rhe car and that's why the loan was at {$40000.00} and the car reduced it to {$30000.00}. I found out that there is no Fed Tax on vehicles and the dealer lied on how the trade in was calculated into the loan. 

Also, I told the lender that I was doing a lot of XXXX XXXX  and that I was in need of a hybrid vehicle to save on gas. I told them that I was making around {$5000.00} gross income a month but also that I was spending about {$1200.00} a month of expenses running my business. If they would have provided me a hybrid vehicle the gas savings alone would have paid for the car itself. Also I can sense that they lied on the loan application because my income to expense ratio does not fit a {$40000.00} loan non-hybrid vehicle. 
A calculation of {$5000.00} gross minus {$1200.00} gas expense, {$1500.00} rent expenses, 30 % tax estimate of {$1500.00} would have made me ineligible to afford the car. They violated rules to approve me knowing that I would not be able to afford the vehicle

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 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal CU sent me letters that that my credit report would be damaged. My credit card was stolen and my card was maxed during the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: CA

Complaint narrative:
On XXXX XXXX I received a letter from Bank of America stating that my claims for reimbursement on my account due to fraudulent transactions being conducted, causing me to be a victim of true identity fraud, was denied based on the basis that the card or cards used to commit these transactions were activated and used with my XXXX To which XXXX are those I still have no idea. Further more I've submitted documents from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX credit bureau, the XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All documents support my position in my claim stand point, to which address I didn't authorize, have any knowledge of, or physically unable to conduct such transactions, in any way, shape or form during the entire period in which the transactions began and ended. They didn't allow sufficient time to receive the documents from me before making their decision, also have not supplied aby information ir supporting documents to which played a XXXX factor leadibg to the denuaif my claims. All time provisions have lapsed according to policy held by Bank of America which place a time allowance to rectify and investigate such claims and have a decision. Please further assist me, I'm a victim and untitled to what was mine and shouldn't have to feel like I'm doing something wrong and justify the wrong doings and denied simply based on a mailing address, I deserve fair and adequate service and entitled to all funds.

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