vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. 

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
The below letter from Bank of America is full of errors. 

On XX/XX/XXXX, I went to XXXX and bought a plane ticket using my Bank of America ( BA ) credit card. The ticket was to XXXX on XXXX XXXX. When I got to the airport the airline worker refused to let me on the plane because I did not have a visa to enter XXXX. I told her I was going to stay in the XXXX airport while changing planes. She still refused. It takes many days to get a visa for XXXX. She refused to issue a refund. So did her boss. The emails from XXXX and XXXX when I bought the ticket did not mention that I would need a visa just to change planes and not leave the XXXX XXXX. 

On XX/XX/XXXX, I spoke by phone with BA worker XXXX. I gave her the above info. She disputed the charge and told me if BA needed more info from me I would get a message in the " message center '' on the BA web site within 10 business days. I did not get a message in that time frame. Please direct BA to issue a refund for this charge, which appears on my credit card bill as XXXX, not XXXX or XXXX. Thank you. 



-- -- -- -- -- -- - XX/XX/2022 Account number ending in : XXXX Case number : XXXX XXXX XXXX We completed our investigation of the {$300.00} charge ( s ) from XXXX XXXX XXXX XXXX XXXX. 

We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. 

- We didn't receive a letter specifically describing the service ( s ) you were to receive, the merchant 's failure to provide the service ( s ), and the details of your attempt ( s ) to resolve the situation with the merchant. 

- The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 

If we previously issued credit ( s ) to your account, the charge ( s ) will be rebilled and will appear on your monthly statement. At this time, we consider your dispute ( s ) resolved and the balance is owed as stated in your Credit Card Agreement.

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 2022-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I had to visit the emergency room at XXXX XXXX XXXX in XXXX, CA. I am a veteran and submitted my payment information to the hospital. To my knowledge, the nearest VA hospital was in XXXX, CA at the time ( a drive of 3 hours or more ). The VA subsequently paid for the hospital bill but neglected to pay the Physicians bill to XXXX XXXX XXXX XXXX. It was brought to my attention in XXXX that I still had an outstanding bill with the hospital and that it was being sent to collections. I contacted the VA concerning this issue. XXXX VA at first said the bill was already paid, but I then told them about the physicians bill. The VA then requested that the physicians group contact them. The group agreed to do so and later reported that the VA was not responding to them. I call the VA and asked them to kindly attend to the unpaid bill since it would soon affect my credit. The bill eventually went to collections due to noncooperation from the VA. Apparently that debt was bought by another collections agency because I have recently become aware that my credit was downgraded by a debt collection agency called Commonwealth Financial Systems , Inc . Unfortunately, Commonwealth Financial Systems , Inc. is using predatory practices on me to collect on a bill that belongs to the Veterans Health Administration. I am requesting that this issue be addressed. I have tried to work with the VA and have only received the run around. Assistance would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I fell behind on mortgage payments due to being out on maternity leave and being paid only 65 %. During this period, I also got sick with covid. I had a baby born in XX/XX/XXXX that was born early at XXXX weeks. The baby spent over a month at XXXX. Baby was delivered through XXXX XXXX 

XXXX XXXX does not want to update the credit report even though they were notified I was affected by Covid and tested positive on XX/XX/XXXX. I was unable to get the covid vaccine due to being XXXX  from mid XX/XX/XXXX through my early delivery on XX/XX/XXXX. I was XXXX XXXX  until XX/XX/XXXX and finally got the covid vaccine in XX/XX/XXXX. 

Through XXXX I also suffered from long Covid. I tested positive for covid in XX/XX/XXXX. I was out of work until about the end of XX/XX/XXXX. I briefly returned to work from late XXXX through early XXXX. It was discovered that I had XXXX XXXX, difficulties breathing ( scar on XXXX ). I was out of work on leave from early XX/XX/XXXX through early XX/XX/XXXX. My employer paid me 100 % of my wages during this period.

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 2022-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Early in 2021 I decided to use XXXX to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to XXXX. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using XXXX. Their app aggregated the monthly payments of the various transactions I made using XXXX. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If XXXX had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. XXXX did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, XXXX continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened a savings account through my online citi account. At that time I had 2 credit cards. A bonus was offered to open a savings account and earn XXXX dollars based upon deposit. I put in XXXX dollars and kept for the 60 days and waited another 90 for bonus to be deposited. When my account was 180 days old, I had yet to receive my bonus. I was told I didnt open the right acct, then no code. The offer given to me was online. I used their offer link. I took screenshots that included the entire offer, so they are available, to prove I received the offer and fulfilled it. Now Citi needs to do their part.

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 2022-07-31 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, U S DEPT OF EDXXXX, XXXXXXXX XXXX XXXX / XXXX has violated my rights . XXXX Account # XXXX 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 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 2022-07-31 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, U S DEPT OF EDXXXX, XXXX XXXX  XXXX / XXXX has violated my rights . XXXX Account # XXXX 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 2022-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klarna AB
State: CA

Complaint narrative:
Early in 2021 I decided to use Klarna to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to Klarna. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using Klarna. Their app aggregated the monthly payments of the various transactions I made using Klarna. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If Klarna had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. Klarna did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, Klarna continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Opened a fee free checking account over 10 years ago and every once and a while Chase makes attempts to steal {$12.00} without even alerting be text or e-mail. They have notified on subsequent occasions that even a theft of as little as {$12.00} is taken seriously. We are concerned they engage in this behavior to seniors and the less fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo off of XXXX XXXX XXXX  in XXXX Arizona sent a letter to my sister 's home on XXXX XXXX XXXX XXXX XXXX Arizona telling me XXXX XXXX that they had a refund in my account for XXXX dollars .I DONT HAVE ANY BANK ACCOUNTS AND NEVER OPENED A BANK ACCOUNT AT WELLS FARGO I SPOKE TO A BANKER AT THAT BANK AND TOLD HIM I WANTED TO KNOW WHO WAS USING MY NAME AND CHECKING ACCOUNT TALSO TOLD THEM I WANTED CHARGES PRESSED AGAINST WHO EVER WAS USING MY NAME FOR ACCOUNT AND NEVER DID THEY CONTACT ME ALL THEY DID WAS CLOSE THAT ACCOUNT I WISH TO FILE A LAWSUIT AGAINST THEM FOR DOING THIS TO MY LIFE AND MY IDENTITY XXXX XXXX XXXX XXXX  XXXX WELLS FARGO BANK XXXX ARIZONA

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 2022-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1681 Section 604 A Section 2 : My student loans is all paid for. All student debt, loans, fed loans needs to be removed from my report.

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 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
i had a XX/XX/XXXXvanilla prepaid card that i have had a direct deposit of {$320.00} a XXXX sense XX/XX/2022 every XX/XX/XXXXi would go to aXX/XX/XXXX an withdraw {$300.00}. becauseXX/XX/XXXXvanilla would charge me XXXX cents per transactions everything was fine as far as i know in XX/XX/2022 XX/XX/XXXXvanilla overdrew my acount {$800.00} when all oi had in my acount was {$1.00} they said is was because of XX/XX/2022 they did not put a hold the withdraw butt it makes no sense because in XX/XX/2022 when my depost went in i went an withdraw my {$300.00}. that left {$25.00} in the account i did the same thing XXXX an XXXX same than then by acciendent i pulled my account up an seen someone had overdrawn a prepaid card for the total ammount of {$800.00}. when i called an asked about it they said that XXXX XXXX  did not get there money for the XXXX  of XXXX for the ammount of {$300.00}. an another {$200.00}. in the same XXXX  they also said that XXXX XXXX did not get there money for the XXXX  of XX/XX/2022 so i qustioned XXXX XXXX an they said that the XXXXvanilla did not put a hold on there money this was not my falut XXXXvanilla should have had a hold on there money but someone did not do there job they even went aganist the card agreemeet severle times they went over the 60 day priod ihave been hung up on 3 out of 5 times the bank # is no good says its disconneted they did not put ahold on the amounts that they say is overdrawn one of thre repes said i went into the bank on XX/XX/2022 an withdrew the ammounts over drawn i was not in the bank on that i day nor did or could i over draw on a prepaid card i feel someone should have contacted me about this matter but instead they waited 120 day to pay back a debdt that should have been on hold i do not feel responsiblle for this evrytime i call custermer service i get hung up on i have 4 differnt bank statments one when i seen the overdraft one after i called them an the 2 they sent me an they all 3 are differnt i feel they should stand good for the over draw because they are the ones that let this happen they broke the card agreement when they didnt hold the money in XXXX an XXXX no one noffied me me of anything being wrong when i qustioned XXXXvanilla about this matter she said would be notified in 30 to 60 days really this crazy an i do not feel responable please help me with this matter XXXXvanilla said you can not overdraw a prepaid account but yet they overdrafted me 120 days later please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 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: PA

Complaint narrative:
I have new information Fact, on XX/XX/XXXX I notified Equifax that they were violating my privacy by reporting an alleged bankruptcy XXXX without my consent. 
Fact, A consumer reporting agency can not furnish information on a consumer 's report without my written instruction 15 USC 1681 ( a ) ( 4 ).

Fact, the reported case number of the alleged bankruptcy is inaccurate.

Fact, Equifax response on XX/XX/XXXX did not sufficiently address my ( the consumer concerns ). 
Fact, Equifax responded with a form letter Fact, Equifax continues to report inaccurate information after being notified of its inaccuracy. 
Fact, US Bankruptcy Courts do not report information to any consumer reporting agency. 
Fact, I suffered financial loss due to Equifax 's inaccurate reporting. 
Fact, Equifax 's inaccurate reporting caused me to be denied for a home equity line of credit. 
Fact, The XXXX data breach has compromised the accuracy of Equifax 's data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Four times - I received notice from Bank Of America that my application for " XXXX  XXXX XXXX XXXX XXXX '' could not be processed because my credit reporting accounts were frozen. Also received from BOA a notice that my " XXXX  XXXX XXXX XXXX XXXX '' from BOA could not be processed because of frozen credit accounts. 

I had frozen my credit reporting accounts, but I do not have any accounts with BOA nor did I apply for any credit cards. I did contact BOA and was eventually able to talk with someone who gave me a couple tips to further guard against further applications. I can not easily get in touch with BOA even when they leave a number because their menus require an account number, which I don't have. 

I can't fault BOA too much except for the number of times a credit application was received but kicked back by the Credit report agencies.

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 2022-07-31 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: AL

Complaint narrative:
i disputed these accounts on my credit report and experian and XXXX replied to me that these inquiry 's came back as verified, I told experian ive talked with both banks and they told me to filed a ftc report which i did, I need the method of verification both experian and XXXX used to verify these accounts because at this point they are automating these disputes and saying they came back verified. I DID NOT MAKE THESE INQUIRIES TO THESE COMPANIES. 

method of verification i need : 1. the name of the person they spoke to to verify these inquiries.

2. the persons phone number which they called to verify.

3. what date did they speak with them on.

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