vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am having a nightmare trying to resolve fraudulent charges on my Bank of America credit card account. I have maintained this account for over 40 years, but in the past XXXX months have been receiving multiple charges from a company called XXXX ' - which my wife and I have never done any business with! When I first contacted B of A on XX/XX/2022 they promised to credit me back for the fraudulent charges, and promptly sent me out a new card with a new account number. Within 60 days, we received additional charges from 'XXXX  ' in the amount of {$1000.00}. on the new account! When I called to again contest fraudulent charges, I was told that 'XXXX  ' had the ability to continue charging me, even with new cards/account numbers. At this point, my wife and I had had enough, and asked B of A to promptly close our C.C. account and reverse again the fraudulent charges. I specifically withdrew permission for B of A to automatically pay down outstanding balances from my checking account, opting instead for a final paper bill that we could examine for any legitimate balance due. We were specifically assured that this change was made. 
Despite these instructions, on XX/XX/2022, we awoke to find out that B of A had withdrawn, without permission {$2100.00} from our personal checking account, again for XXXX ' charges that had previously been disputed. This unexpected cash grab caused us to be overdrawn on our checking account, causing even more pain and suffering. When I called B of A on the afternoon of XXXX XXXX to once again resolve the matter, I was on hold for XXXX minutes before a very sympathetic customer representative assured me that she would reverse the charge, only to be disconnected before any changes could be made. Despite my phone number being in the record, no call back was received.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX  ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fraudulent

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 2022-11-15 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: EQUIFAX, INC.
State: NC

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

Account Name XXXX XXXXXXXX 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 

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 autodates the report by more then seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The company was written XX/XX/2022 and advise to update my address which is my current address and name and not number they said I sent a letter with a request to update my personal. 

I believe someone is fruading my personal information because old information is showing up in my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NY

Complaint narrative:
There are multiple inquiries on my report that are inaccurate and affecting my score. I need this rectified. I have tried reaching out to the creditor contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX in hopes of resolving this issue. I have never purchased a vehicle from this automobile dealership. the inquiry date is XX/XX/2021. I have no idea who used my information to try and get a car loan. There were multiple inquiries made on the XXXX under experian. An additional one was done on the XX/XX/2021 a day later. This is severely affecting my credit score and is being reported on there inaccurately.

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 2022-11-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Trans Union has not addressed or resolved my issue and was simply " Brushed Off " I have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every XXXX weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. XXXX decreased my score by XXXX points and when I talked with a Customer service repXXXX he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..

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 2022-11-15 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: WI

Complaint narrative:
ErAse all names that is not XXXX XXXX XXXX. Erase all Addresses besides XXXX XXXX XXXX XXXX wi XXXX

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 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In Venmo I requested my nephew transferred me {$1.00} to my account for testing, than I transferred {$1.00} back to my nephew for testing. After that I requested my nephew to transfer {$990.00}. He transferred me {$990.00} to my account. My sister transferred me {$990.00}, {$1500.00}, {$520.00}. After that I tried to transfer it to my bank account from Venmo but they put limitations on my account and frozen it and asked me to submit the documents for proof on XX/XX/2022 and told that they will verify and remove limitations from my account with in XXXX business days. They sent me email that my identity is confirmed on XXXX XXXX. Still it didn't worked than I called on customer service and they told me to wait for XXXX days. But I got email from Venmo team on XXXX XXXX that : After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Even though we submitted all of my required documents. On XX/XX/2022 I emailed them for getting our money back as we were not doing any illegal activity. Still they replied the same that my account is being deactivated by them also mentioned that my emails will be no longer replied by them. 
On XX/XX/2022 I called in customer service of Venmo they told to wait for 180 days for our frozen money in Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently, I was the victim of credit card fraud, through a totally different bank. However, before I was able to remedy this, Capital One lowered my credit limit by 30 %, citing the completely separate, defaulted credit line as the reason. I worked hard to get the fraud removed quickly, both with the credit reporting agencies and the bank that issued the fraudulent card. However, Capital One is refusing to return my credit limit to its prior condition because there has " recently been a credit line decrease '' - which is exactly what I'm trying to fix. I've tried talking to their customer service, and they insist that their hands are tied beyond using an automated form that can not understand that this is their fault in the first place. This is further negatively affecting my XXXX XXXX because now my Capital One card is showing a lower available balance and a higher credit usage %. It feels wrong for a company to be able to tank my credit further based on inaccurate information, and it feels especially wrong for them to tell me that there's nothing they can do to fix what they've done after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Response to the letter I was sent form United States bankruptcy court eastern district of Wisconsin office of clerk dated XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company CapitalOne has taken my personal information and shared it with a XXXX party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In both cases, I did not consent and was never allowed to opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I have XXXX mortgage with Huntington. My mortgage balance drops below 78 % in XXXX XXXX. According to the federal homeowners protection act ( HPA ) and Huntington documents, the lender must cancel my private mortgage insurance when the balance drops to 78 %. However, the lender never removed my PMI automatically accordingly. 
Since the end of XXXX, I have tried to contact this bank to remove my PMI many times, including phones, emails, Huntington bank XXXX account. They always denied my requests without providing explanations. 
It took me over XXXX months to communicate with them. It's very hard to get in contact with them and communicate with them effectively. Also, they never fixed on my PMI removal. 
I have received XXXX mail from them. In this letter, they said my loan to the original value of the mortgage loan is at 77.9 % and I meet all requirement to remove my PMI except evidence that the value of the property has not declined below its original value. 
According to my understanding, they thought it as " XXXX requested cancellation '' rather than " automatic termination, and so they denied my PMI removal and required me to provide appraisal report at my expense. However, according to XXXX and their documents, they should have removed my PMI as " automatic termination '', because my balance already drops below 78 %. Although I told their staffs my understanding, their staffs are not professional and always not take my words seriously. What they said to me is always " let me wait for their feedbacks '' and then my PMI removal fails after days/weeks again and again. XXXX staff named XXXX XXXX told me that my PMI would be removed in XXXX according to their time rules. In weeks, he told me he made a mistake and said to me that my PMI would be removed if my balance drops to 70 %. How 'professional ' he is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
on tuesday, XXXX rec 'd credit card and credit report from Bank of America. Did not apply for card or authorize 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 explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The company XXXX has taken my personal information and shared it with a 3rd party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In both cases, I did not consent and was never allowed to opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TX

Complaint narrative:
The company XXXX has taken my personal information and shared it with a 3rd party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. In both cases, I did not consent and was never allowed to opt-out.

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 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is an inquiry from XXXX XXXX XXXX XXXX for {$140.00} dollars opened on XX/XX/2021. This should have never been in collections to begin with. This account was settled and should have been paid by insurance to begin with. I disputed this with them. I even paid them and asked them to please remove this it was incorrect. they are still reporting on my credit report and its really hurting my chances of getting a good interest rate on a new home. This is incorrect and needs to be rectified

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Response to the letter I was sent form United States bankruptcy XXXX XXXX XXXX of Wisconsin office of clerk dated XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022 I deposited {$740.00} into my Synchrony Bank XXXX account and when the funds cleared and were posted I was sent a ATM card that I activated but every time I try to withdraw funds I get a technical error saying come back later. 
I've spoken with 4 representatives and they just tell me that I'm under review?

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 2022-11-15 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: NC

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

Account Name : The 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. 

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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-11-15 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: NC

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

Account Name : XXXX XXXX XXXX  # XXXXXXXX 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. 

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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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