vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time Bank of America continues to tell XXXX, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

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 2022-09-20 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: MD

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

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

15 USC 1681 Section 604 A Section A 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 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 non-monetary relief
Consumer complaint received 2022-09-20 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: MD

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

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

15 USC 1681 Section 604 A Section A 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 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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I the Consumer in good faith exercised my right with the financial institution Chase to extend and receive credit and was XXXX against. 

I received an adverse action letter on or around that day and took action to protect my rights on XX/XX/2022 and called to inform them and they claimed they could not do anything about this matter. 

They also proceeded to tell my about Chase 's policy when I informed them that they were breaking the law. The next day on XX/XX/2022 I responded with my own letter in the mail. 

I have a fourth amendment right to privacy and pursuant to 15 U.S.C 1691 it shall be unlawful for any creditor to XXXX  against any applicant, with respect to any aspect of a credit transaction. 

Chase willfully ignored my request and haven't made any steps to resolve this matter as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XXXX I accidentally initiated a debit card withdrawal in the amount of {$2700.00} on an old card on file with a Bank that was purchased twice and ultimately absorbed by XXXX XXXX  ) oddly enough they still let you use the old card, so the transaction went though. I put the transaction through haphazardly and when I reached out to XXXX XXXX  ( account since closed ) they said it's been rejected and will be returned to Coinbase. 

The transfer was initiated XXXX and has been rejected by XXXX XXXX  every single business day since. Coinbase blames the XXXX XXXX  and XXXX XXXX  has been unable to reopen the account or capture the transaction since it's from an old debit card. I've called several times and there's been instances where Coinbase was unable to find the transaction unless I provided the withdrawal number. I've called each business everyday and get the same resolve - Coinbase : Request sent to a specialist and check your emails. I've visited XXXX XXXX  twice and was informed there was nothing that could be done on there end including holding the funds and/or reopening the account. 

I've entered Coinbase tickets on XX/XX/XXXX and XX/XX/XXXX. 

This is all of my bill funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with Lending Point but I did not give permission to pull my credit report. XXXX XXXX did the same with credit card offers guaranteeing approval which was incorrect. 
On XX/XX/2022, I lifted the freeze on my XXXX report for another company and Lending Point pulled my credit while unfrozen XX/XX/2022. XXXX XXXX and Lending Point must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I attempted to purchase puppies online and then never received them. The payment was made through XXXX and Navy federal credit union and they refuse to refund my money because I got scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-20 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
The charges on my credit card were not mine. I was taken advantage of by an abusive parter and he was the one to use my credit card without my permission. The company has not resolved the issue when I filed my dispute. I was diagnosed with XXXX  due to the traumatic experiences I've had with my ex-partner and I will not pay a bill that is not mine, especially when I was taken advantage of during our past relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX XXXX XXXX continues to tell Transunion, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

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 2022-09-20 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: PA

Complaint narrative:
XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, Equifax and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: PA

Complaint narrative:
XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, XXXX and Experian that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

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 2022-09-20 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: NC

Complaint narrative:
Back in XX/XX/2021 I received a letter from XXXX stating my personal information was compromised and they were offering 2 yrs of free identity theft protection. When signing up for the protection I discovered that 2 credit cards had been opened using my personal information. When I reached out to Bank of America to report the card being fraudulently opened using my personal information They asked me what name was on the card and I was told they had no account in that name so I then provided them with the account number and they asked me how I got the account information and I said it was on my credit report and the credit bureau provided my with all the missing information. The bank seemed more bothered that I had the account information than what they needed to do to get a full disclosure as to how the account was opened and by who and what was provided to them by the thieves. Apparently, they used my personal info to open the account and then removed my name off the account and placed it in their name. They actually hung up on me after I insisted on them to investigate this fraudulent credit card account.

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 2022-09-20 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:
I am submitting this complaint against Equifax after discovering the reinsertion of a bankruptcy on my consumer report. I sent in a letter to dispute reporting of a XXXX XXXX account and their response was to reinsert a bankruptcy that was deleted. I did not give Equifax or any of it's affiliates permission to report this private information. They will most likely respond the way they have previously claiming the information is public and received from a third party. It is not XXXX XXXX because I am opted out of XXXX XXXX and have been for years. It is also not the " furnisher '' because the US bankruptcy court has confirmed they do NOT provide information to credit reporting agencies because it is PRIVATE. I am not interested in a long drawn out battle. I am livid. I demand the items be deleted IMMEDIATELY along with compensation for Equifax 's willful noncompliance in damaging my reputation without my consent or notifying me per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: The Savings Group, Inc.
State: AZ

Complaint narrative:
-- Applied via RateGenius.com for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with Rate Genius. 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via Rate Genius hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists Rate Genius as the dealer. 

-- Only Rate Genius was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to RateGenius and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and Rate Genius will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to XXXX as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX I received an email from FedLoan Servicing stating the following : " ... If you made payments and now realize you were not required to, you can request a refund for all payments made since XX/XX/XXXX. '' Being that I made payments towards my federal loans adding up to approximately $ XXXX, I called and emailed FedLoan Servicing on XX/XX/XXXX to submit a refund request and was informed that I would receive the refund in the next 30-60 days. I called numerous times since then ( in XXXX and XXXX ) asking for an update on the status of my refund and was informed of an issue with the Treasury Department that would cause a delay in my refund so I waited another month. I called again recently and was informed that my refund request was canceled on XX/XX/XXXX ( 18 days after my request for a refund was made ) with no valid explanation as to why it was canceled. When I expressed my frustration with FedLoans customer service, lack of communication, professionalism and accuracy, I was hung up on many times and had to call back to start the process all over ( this happened at least 4 times ). When I finally reached someone in the escalation department I was informed that there was nothing that they can do to fix this issue since my federal loans have now officially transferred to a new loan servicer ( transferred on either XX/XX/XXXX or XX/XX/XXXX ; I received 2 different dates ). I have been told by FedLoan that I need to request a refund through my new loan servicer and that it will take an additional 30-60 days to receive it. When I contacted my new loan servicer, they notified me that they have not officially received my federal loan account yet and therefore can not process my refund request. The deadline to receive my refund is XX/XX/XXXX and I fear that I will not receive my refund in time and will lose out on the money that I spent to pay my loans during a period that I did not need to. FedLoan Servicing is completely inefficient and has wasted my time for the past 3 months. I was not informed until the last minute that my refund request was canceled almost immediately after I submitted the initial request. The representative who hung up on me was named XXXX ( # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act Convergent Account # XXXX, has vbiolated my rights. 

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

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

15USC 1666B : 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