vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
I am writing this complaint to correct a billing error on my Cashback debit card. A charge of {$1400.00} was made to my Cashback debit card account on XX/XX/XXXX. The charge is in error because I did not authorize the transaction and notified Discover promptly of the unauthorized charge. I received a letter dated XX/XX/XXXX stating that they determined the transaction was valid because : 1. " Transaction ( s ) completed with PIN with no prior PIN failures 2. " No history of PIN being changed recently '' 3. " Transaction ( s ) do not indicate fraudulent activity '' This makes no sense as someone clearly accessed my information without my consent. It appears Discover just replied with a generic letter with no consideration with the issue. I allege there must be some form of fraud protection on my card to protect me from unauthorized charges. 
Discover also stated that they would be reversing the provisional credit provided. 

I'm unsure how someone was able to use my pin I'm stressed out over this. It's causing me a huge inconvenience. 

Please correct the issue and correct the error of the unauthorized charge it's causing me a great deal of stress because I never authorized the transaction. I've done everything in my power to address the situation promptly. 
Please correct the error on my account promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please this is very urgent. I'm an American. I've worked on my credit for the past few years. I'm trying to keep everything accurate.. .my child support is paid off. I'm still getting reports from my credit and it's not accurate. My child support is paid of and the transunion still showing I'm late payments and no payments when clearly I've paid my child support. Please anybody out reading this. My child support is paid off and I don't owe. Why am I getting no payments on my reports. Why is my credit getting hit when I. Not behind on my payments. My child support is getting paid by the XXXX XXXX log in. I have payments t history that i have sent as attachments. anybody. Can fix this. I'm an American

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. But I still haven't received any useful documents from US Bank yet besides some promotional mails. 

I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side related to their mailing system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
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 report agency can not furnish an 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been under constant duress from continuous harassment from PHH Mortgage, beginning in XX/XX/2022, after my husbands passing, up until now. 

I am now in receipt of yet another Certificate of Occupancy that I have been requested to complete, sign, and return to verify that I continue to occupy XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX, as my principal residence. I have been requested to sign and complete this form from PHH Mortgage at least 3-4 times a year. Upon contacting HUD, I was informed that completion of this form should only be required ONCE a year. The last Certificate of Occupancy form was completed and returned to PHH Mortgage in XXXX, XXXX, with acknowledgement of receipt in XX/XX/2022. 

Is it necessary and PHH 's intention to send this form for completion every quarter, with threats of foreclosure ( every quarter ) if it's not completed and returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraudulent case with Bank of America on XX/XX/XXXX because someone had stolen an amount of $ XXXX from my checkings account and I have been waiting for 63+ days and going now and I still haven't received my money. The temporary credit was reversed because BofA made the mistake of making a duplicate claim and not reopening my original claim resulting in them taking back my credit and never issuing any temporary credit or funds in the entire investigation. Lawfully I believe my banking institution has failed me and failed to acknowledge the fact that this situation has burdened me to a point of financial collapse.. I live a very stressed and painful life since encountering this fraud and it has not been an easy journey for me. The customer service BofA has provided is not great and unempathetic to my needs as a customer of 9 years ; this is also the first time this has happened to me. I don't want this to happen to anyone else and I would not want BofA to overlook the lives of its customers the way they have mine in this situation. My identity and money matter to me.

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 2023-03-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I had 9 CD accounts with XXXX by Goldman Sachs. The company closed my accounts without my permission. This was on XX/XX/23. the amounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XX/XX/23 I was told, I would get a check in 7 to 10 days. OnXX/XX/23 I was told, the money was on hold. On XX/XX/23, I was told, the money would be sent back to my bank account, they then said the money was to The State on Pa. The State of Pa. say they have no record of this. I was not given any reason for the closing of the accounts, or sending the money to The State of Pa.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I called Midland Credit management on XX/XX/2023 to ask for a reduced amount that would settle my bill of XXXX from XXXX XXXX Credit Card. I explained to the Rep on XX/XX/2023 that I was XXXX and on a fixed income but I could pay a one time payment to clear the debt if reachable. My family was giving me the money. I told him that I could pay like XXXX dollars but needed it to be cleared. I know that the account is a charge off but I wanted to clean up my credit some. The Rep stated that he would have to speak with his account manager and when he returned to the phone he quoted me an amount of XXXX. Although this amount was above the anticipated amount that I had to work with, I stated that I would call back. At no time did the rep tell me that the offer would be voided once I hung up the phone. 
I did live chat today XX/XX/2023 so that I could have some written documentation. I explained to the Rep " XXXX XXXX '' what I needed and recapped from XX/XX/2023. At first XXXX was very adamant and said that sorry can not do anything and I am not going to honor the amount from yesterday. I again explained my situation and then he still stated that it was policy and he could not offer me but the offer that he was giving me today would last until XX/XX/2023. I replied with so the chat can be extended but my phone call can not. He was like you either want it or not. I explained once again that the offer amount was too high and that i really needed the amount from yesterday. He said well just for you I will come down. He came down like to XXXX and I said I can not afford that but now I can see you do have the authority to make offers and changes. 
I told him that i felt he was belittling me and being very discriminatory as he knew I could not afford those amounts and he found it amusing to keep doing that. I ended with asking him to send me the transcript of our chat so that I could forward to cfpb to take a look at it. He replied that he had no way of doing that but he would be sure to send me a bill in 7-10 days. I found that disrespectful and again belittling. I was able to copy and paste the transcript and I saved it in a file that I will also upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I began receiving bills from XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX company in XX/XX/XXXX for services rendered in XX/XX/XXXX. Upon receipt of the first bill, I reviewed my explanation of benefits ( EOB ), which explained that dollar amount was the contracted adjustment and the patient ( me ) was not responsible. I contacted the billing department for the above company and they stated they would make notes as they were awaiting the EOB and to disregard the bill. In XX/XX/XXXX, I received another bill requesting the same amount. This time the individual I spoke with informed me that they received the EOB and the adjustment would be made to my account and to disregard the bill. In XX/XX/XXXX, I received another bill - at this point I became concerned that this would lead to a report to the credit agency bureaus. The individual I spoke with time stated the same as the previous employee, that they had received the EOB and the system would be adjusted to reflect no monies were due from me. The individual further explained that they were unable to prevent the bills from being sent but instead reassured me that based on the EOB the account would be corrected and I could ignore any more bills as once the account has been corrected the bills would cease. I asked would the fact that I had been receiving bills monthly cause my account to be turned over to collections and was told no because I was not responsible for the balance. I did not notice any more bills effective XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from IC Systems, a debt collection agency regarding a bill with XXXX XXXX XXXX XXXX. Per the debt collector, the account was submitted to them on XX/XX/XXXX. I called the billing department today and the automated system stated that the wait time was in excess of 50 minutes ; however, at the 30 minute hold time the call is automatically disconnected- this happened twice. I have attempted to reach their corporate office to no avail. My employer requires me to not have any derogatory items on my credit and this false report to the debt collection agency had placed my employment in jeopardy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for my Transunion or XXXX. The account i'd like to self-report is XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX XXXX ) XXXX opened on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Starting on XX/XX/XXXX I started receiving phone calls from XXXX XXXX  XXXX and capital one asking if I had opened these applications for lines of credit. I denied having done so. Then on the upon checking my credit report I saw a fraudulent account opened with BECUBank its actually a credit union. And when I called them they asked me to do a police report which I did on XX/XX/XXXX. I have also placed fraud alerts on all three credit bureaus on XX/XX/XXXX. I have also put a security freeze with the credit bureaus on XX/XX/XXXX, XXXX. BECU told me that there was online banking done under that fraudulent account by a person a name of XXXX XXXX. They had opened a checking account and used bill pay to pay some bills or rent. I am in the process of closing these fraudulent accounts with BECU. Whoever did open these fraudulent accounts had my Social Security number and my address, and was able to do so with just these two pieces of information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for my XXXX or Experian. The account i'd like to self-report is XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX XXXX ) XXXX opened on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
XXXX arrived at my home on XX/XX/2023 to serve me with papers for debt collection with NO prior communication from the debt collector by mail or phone. 
Summons came from XXXX XXXX XXXX, PC, XXXX XXXX XXXX, XXXX, CT XXXX on behalf of XXXX XXXX regarding a Breach of Contract for a credit card in the amount of {$9000.00} plus attorney fees. 
There is no history in my phone log from the number associated with the summons. 
There were no voicemails left by the party or any physical mail received in an attempt to collect a debt prior to the summons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. 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 2023-03-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. 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