vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: AZ

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-09-30 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:
THIS IS NEW AND UPDATED INFORMATION : I XXXX XXXX never gave gave Equifax permissible purpose, Pursuant to 15 usc 1681b to REPORT ANY THING ON MY REPORT. Im stating what the law says. They have violated my rights and I demand deletion or well seek remedy.I already contacted XXXX, XXXX, and this complaint at CFPB, According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. 
Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Equifax provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried for years to fix this issue with equifax. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my equifax account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses. 
I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On I called XXXX FISERV regarding a duplicate payment ( 2 ) of {$90.00} reflecting on my XXXX XXXX XXXX  XXXX  ACCOUNT. The agent I spoke to stated they notify the XXXX Banking Dept. however I receive an email. On XX/XX/XXXX, I received an email stated the following : Fiserv, the service provider for Bill Pay with XXXX XXXX XXXX, processes the payments that you make through Bill Pay. At your request, Fiserv processed the payment to XXXX  XXXX XXXX  on XX/XX/2022 for {$90.00}. However, after sending money to XXXX XXXX XXXX, Fiserv could not withdraw the funds from your payment account. Fiserv 's second attempt to withdraw the funds was also unsuccessful. As a result, the money Fiserv sent to XXXX XXXX  XXXX  on your behalf was returned to Fiserv. 

Their error has caused my XXXX account to be closed because they provided incorrect and fabricated information to me. 
There have been several instances where XXXX and FISERV provided incorrect information causing negative affects on accounts and/or fees especially how transactions are processed.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX You, XXXX XXXX XXXX XXXX, have violated my rights and provided false and misleading information and are guilty of racketeering and extorting me ( and most likely others ) for a debt that you can not prove that is mine! 

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 an 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. 

15 U.S. Code 1602 ( g ) You took money from the Federal Reserve using my social security account and lied on the contract making it seem like I am the debtor when in fact I am the original creditor as the consumer. 

15 U.S. Code 1692j- It is unlawful consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S. Code 1666d - Treatment of credit balance - Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months ( also the down payment ). except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States. The security interest secured obligation of the vehicle. So there is no reason for a remaining credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I worked in the US over the summer and had a bank account with Chase Bank. On leaving the US I attended Chase on the XXXX XX/XX/2022 to arrange a wire transfer for the money to go into my XXXX account. The wire tracking number is XXXX. This transaction failed to take place and my XXXX bank had confirmed that they had not received the payment nor had the payment been sent back. I have been phoning Chase every other day for the past 4 weeks only to be told different things and not being helpful and able to tell me anything to resolve the matter. This has been no fault of mine and they continue to withhold my money for no reason. The last several calls I was told that I needed to speak to the wire transfer team, and they would contact me but this was 10 days ago and have not received a phone call or email, they have both of these on their record. I am at a loss as to how to get my money safely and swiftly into my bank account as it is money that I need to fund my final year at University which I have now started needing money for courses ect as you can appreciate my final year is vital to my future life. The bank identifier was XXXX and the transaction Number is XXXX. This transaction was initiated by XXXX XXXX and the initiating branch ref is XXXX. I hope this information is helpful to you and you can help me, thank you for your time. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Two years ago when my husband was alive one of his credit cards was bought out by PenFed at that time he had a XXXX balance, they sent him a credit of XXXX dollars for being a new customer and then started charging XXXX per month for a statement fee he tried cancelling many times. He ended up paying them. 

Now more than a year after his death Pen Fed sent another credit of a XXXX  and a statement fee of XXXX dollars at this point he owes them XXXX dollars Is there any way I can get this account closed and stop having to pay statement fees on credits they keep adding I have called serval times and sent them a copy of his death cert.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried for years to fix this issue with XXXX. I just received a letter stating they do not have an account for my as they moved my file to XXXX when they allowed me to become a identity victim. Also when I went to logg into my XXXX account they locked it to say my password was wrong. Now I can't contact them unless I go through a 3 hours integration. 
They can't allow a medical debt under {$500.00} to be applied to me credit without verification this account belongs to me as they don't know my current address as this is an issue as well. 
What ans why are thy allowed to continued to.lie as we the consume suffer these abuses.

I know there were penal codes to Sue for this however they have since been removed from publication online. 
I need this information removed off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: GA

Complaint narrative:
On XX/XX/XXXX, I placed a stop payment order on a check on the same day it was written from my Bank of America Account. 

I canceled a {$750.00} order ( prior to delivery and service ) and after alerting the service provide that I was canceling, I also placed a stop payment on the check ( just in case ). 

Bank of America charged a {$30.00} stop payment fee, and the check did not go through. 

A {$200.00} dollar check that was authorized for the same merchant did go through - this was the correct action. 

9 days later on XX/XX/XXXX, I saw a transaction for {$750.00} on my Bank of America account. 
I called the fraud department and alerted them to the unauthorized charge, and they informed me it was authorized by Bank of America. I was unable to report it as suspicious activity and was told I would have to call another department.

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 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a phone call 2 weeks ago that a third party company would be reaching out to send modification documentation. I have been calling to follow up because I have not heard anything. No one answers the phone, it gives the option to leave a message, which I chose to do, however no one has ever called back. I really just want to get the modifications documents and pay my escrow shortage if possible. It seems impossible.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I fell hook line and sinker for a gift card scam. I received an email that was supposedly from XXXX. I didn't call the number in the email but went directly to my XXXX account and the notice was there and I called the number thinking it was for XXXX. I really missed all the red flags, they supposedly credited my bank account but it was for {$5000.00} instead of the {$500.00}. I was directed to get gift cards which I stupidly did. The money was gone from the gift cards and I've contacted my credit cards to see what I can do. The gift cards were, Target, XXXX, XXXX and XXXX XXXX. These were {$500.00} gift card. The XXXX XXXX card was bought at XXXX XXXX and the XXXX cards from XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: LA

Complaint narrative:
I have two accounts on my credit report XXXX  XXXX XXXX XXXX that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation

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 2022-09-30 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: DISCOVER BANK
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, ACCOUNT # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CT

Complaint narrative:
This is pretty basic Prior to Covid 19 credit score good XXXX. 
My graph shows the continuous decline from XX/XX/2020 to now credit score XXXX. 
Iam XXXX and single had to move into apartment and find work no easy task. 
Iam still trying to make rent alone. 
Question : Why can't my credit score be paused at 2020 or at least have a seal stamped on it Covid problem trying to climb out of XXXX. Employers see this score it doesn't look good!!! 
Not to mention I was a first responder during Covid. 
I did get help from XXXX the first round and applied again but was told I need arrearages!?? well, I did not have arrearages because I stopped paying my debts in order to have a roof over my head! ( priority ) Hence my XXXX credit score I just barely make my rent and I don't live in a overpriced situation. 
******I want to have my credit looked at prior to Covid 19 I always paid my bills now it looks bad! ** This is not right!

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 2022-09-30 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NE

Complaint narrative:
see CFPB complaint XXXX The account became past due because of the handling of the termination by Nissan to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through XXXX. 

Upon filing a dispute with Nissan to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: LA

Complaint narrative:
I have two accounts on my credit report XXXX XXXXXXXX and XXXX  that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score 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