vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Remove All Old Addresses and Personal information

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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
After I legally terminated my car insurance with XXXX, I have received messages from an unknown company asking to further contact them without any disclosure of the XXXX  amount. The Credit Collection Services were notified via text that I have email record that can justify that I terminated the policy with XXXX as of XXXX XXXX. Although the existing policy was due to be expired in XXXX XXXX the new Insurance Career, the effective XXXX XXXX XXXX was effectively taken place as of XXXX XXXX. Then I sent a notification via XXXX to XXXX agent, and later was told the agent was dismissed. 
Thereafter, I spoke to another agent who had documented the fact in order to report it to other representatives with XXXX. The fact of the matter remains a bad faith, regardless of the dismissal of a clerk a client should not be responsible for paper trails. Please reach out to the collection agency to stop harassing me for debt that I do not owe. The company can be reached at XXXX, XXXX, and the RE : # XXXX XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union drafted XXXX on XX/XX/2022 from my checking account for a charged off Credit card balance. I asked to have it refunded and set up payment arrangements. I was declined a refund. XX/XX/2022 XXXX was drafted for charged of credit card from my checking account. I want my money refunded and I will set up payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My account was closed until XXXX XXXX they charged it off and then now reopened it.

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 2022-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XXXX a purchase of XXXX money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got XXXX new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact XXXX number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the XXXX number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My employer gave me a Money Network prepaid card to receive my paycheck. I work as an XXXX XXXX XXXX in XXXX XXXX. I live in XXXX, so everyday I have a 2 hour commute. On XX/XX/2022, I tried to withdraw {$600.00} from my account, and the bank denied my transaction. I attempted three times and it kept declining every time. Therefore, I proceeded to checking my account on the mobile app. This is when I realized there were multiple transactions that I nor anyone authorized did not do. These transactions occurred in XXXX XXXX when I live in XXXX. The total amount of money stolen is {$1500.00}. I called to customer service on XX/XX/2022. They said that they would send documents for us to file the claim. They also said we had 10 business days to return these documents. We received the documents on XX/XX/2022. We completed these documents and returned them on XX/XX/2022. Later, on XX/XX/2022, we received a letter where it states the following, " Based on the results of this investigation, your claim has been denied due to the timing and card-present indicators of other recent transactions. You have the right to request copies of the documents that we rely on in making our determination. We consider this claim resolved and your claim has been closed. '' After seeing this, my wife under my authorization called customer service on XX/XX/2022 at XXXX. A representative from Money Network said the decision had made through an algorithm under their system, and that our given time-frame had expired. Because our time-frame had expired and the algorithm stated the previously mentioned, they said we were not eligible to receive our money back. The representative said they received our documents on XX/XX/2022 ; hence, they said it had exceeded 10 business days. However, the letter dates XX/XX/XXXX which is definitely not 10 business days from the day we called nor from when I received the documents on XX/XX/2022. They also said to wait 45-90 days for another solution or to call the Dispute Department XXXX The next day, my wife called the Dispute Operations Department to request the documents they relied on, and the representative said she is unable to send those documents to call another department. I asked for the other department phone number, and she said she could not provide me with the phone number. In order for me to receive the documents, I was told I had to email requesting them. I did and I have not heard back. I am scared to continue waiting more time and lose my rights to get my money back. I do not understand how my timing expired if I received the documents to file the claim on XX/XX/XXXX and I returned them XX/XX/XXXX. I do not understand what documents they used to come to this solution.

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 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I submitted a chargeback request " dispute '' to my Bank under the case XXXX XXXX and a few days agoon XX/XX/XXXX I saw on my account the reversal of the provisional credit given for this claim. I dindt get any letter or communication from the bank with the reason of the denied dispute. 
I answered all the information they requested by fax. 

The ammount is {$440.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, XXXX, and XXXX. I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX  on XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2022-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-07-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: FL

Complaint narrative:
I submited XXXX claims for XXXX transactions on the same store, all those claims are being handling by different procedures, persons or departments, because all of them have different results. I submitted another claim with the CFBP under this claim number XXXX and was approved by the bank. 
Now Im submitting this claim for the same reason than the last one, the bank closed the claim without any letter or explanation and removing the provisional credit. 
Wellsfargo case XXXX XXXX for an ammount of {$1000.00} I made the purchase a XXXX XXXX on XX/XX/XXXX, but the seller never sent the product, also never provided the tracking number or any kind of shipment information.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  XXXX  Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once.

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 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: ID

Complaint narrative:
Around XX/XX/XXXX, my Discover checking account was locked, and the reason stated by them was unusual bank activities detected. And I was told to call the number stated in the bank app, which I did on XX/XX/XXXX. When I reached out to an agent, the agent said that I would receive a reason notice in the letter, and the fund will be deposited to me after 60 days. I told her that my last activity was depositing my company 's check of XXXX dollars, and after the fund was available, I transferred that fund to my other bank 's saving account. The agent told me that this could trigger fraud detection, and told me no way to appeal even though I didn't commit fraud at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I received a phone call from Audit Adjustment on XX/XX/XXXX stating that I owed for an electric bill that I had just paid via check on XX/XX/XXXX directly to XXXX XXXX XXXX. I have the cancelled check that was cashed by XXXXXXXX XXXX XXXX on XX/XX/XXXX this check was endorsed only to XXXX XXXX XXXX. The caller stated that I owed almost {$700.00} more than what my electric bill was. I was very confused by 1 ) the amount and 2 ) Why they were calling me since I had already paid it. I confirmed the amount of my final invoice and thought that the phone call was perhaps a scam. I have one letter dated XX/XX/XXXX from Audit Adjustment stating that I paid them for the electric bill on XX/XX/XXXX. I did no such thing- so this statement from them is untrue. This first written communication was sent more than a month after my bill with XXXX was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
on XX/XX/XXXX I check my credit and saw that Nationwide recovery sy has flagged my account and threaten to damage my credit.

Company response to consumer: Closed with explanation