vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 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: FL

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 XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
XX/XX/XXXX - A fraudulent charge of {$20.00} appears on my account titled XXXX  used with my debit card. I do not notice this charge until two days later because my bank, JP MORGAN CHASE did not inform me of the suspicious charge. 

Early Morning XX/XX/XXXX - A second fraudulent charge of {$20.00} appears on my account titled XXXX OF XXXX used with my card. I do not notice this charge until the next day because my bank, yet again, did not inform me of the suspicious charge XX/XX/XXXX - I notice the charges after logging into my bank account - I immediately contact the fraud team and have my card shut down and a claim opened. Funds are temporarily deposited into my account with the assurance that they would most likely not be overturned in the future. 

XX/XX/XXXX - The first {$20.00} claim was rejected and debited against my account without an explanation as to why. Claim ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: OH

Complaint narrative:
I had student loans from about XXXX that were managed by ACS loaning company, they then sold my accounts to XXXX, and XXXX has recently sold them to XXXX. I qualify with my employer whom Ive been with since 2007 for PSLF, however XXXX is not showing any of the payments made with ACS. Im at a loss on what to do or how to get this addressed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance to the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX These companies has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights 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.C.S 1681 ( c ) ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.C.S 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 explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir/Madam, I have an excellent credit history and recently was approved for the Capital One XXXX credit card. I received my card and activated this and tried to purchase a bookcase from XXXX XXXX. My Capital One credit card was restricted and I called Capital One customer service to inform them that I am making this purchase and to unrestrict my credit card. The customer service agent stated that there was nothing that she can do and that I will have to wait for 7 to 10 business days for the restriction to be uplifted. I have Bank XXXX XXXX XXXX XXXX and have had no issues, and you can resolve restricted access by texting or contacting the bank. I will cancel my Capital One credit card, but I never expected such fraudulent behavior from a " reputable '' bank. I suspect that Capital One is deliberately restricting access without having to provide an explanation to the customer to make it difficult to receive the sign-on bonus when you make purchases within the first 4 months. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX M & T Bank-XXXX M & T BankXXXX XXXX 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 explanation
Consumer complaint received 2022-10-29 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: ProCollect, Inc.
State: IA

Complaint narrative:
I moved out of XXXX XXXX apartments in XXXX of XXXX. I have an email thread from the property manager in XXXX that states my last rent check was due XXXX and that moveout was XX/XX/XXXX. After I had already moved out and into my current apartment I received a final bill on XXXX, very random and not timely at all on their part.. The bill broke down everything that was owed but was a little confusing to read so I responded to get clarification. At that time, a different person had taken over as property manager and I have a thread stating that I owed {$10.00} for some random service fee and that was it. Seemed odd that they would request such a small amount 1.5 months after I already moved out but I obliged. It's all detailed in writing in our email thread what I owed and that I paid it. I went in myself in person to drop off the check so that it wouldn't get lost and so nothing else would happen. I also wanted to be EXTRA certain that this was all I owed and that there weren't going to be any other surprise charges down the road.. they assured me I was good to go. 

Then, 3 months later I get a notification on my XXXX app that my credit score had dropped XXXX POINTS. I was very confused and did some digging and apparently my old apartment complex ( listed above ) decided that I owed them an additional {$500.00} and turned me over to collections without my knowledge back on XX/XX/XXXX. I have emails and bills and a bunch of other evidence that shows I don't owe anything and I have never received any correspondence of any kind from them after XX/XX/XXXX. I am worried this is a scam they pull to past residences thinking they can get away with it without taking any responsibility. I would like them to be investigated because their could be a lot of young people getting their credit scores crushed right out of the gate because of this places shady billing practices. I have never been turned over to collections before, but I feel like sending someone a bill XXXX weeks after they move out saying the owe {$10.00}, then confirming in writing that they only owe {$10.00}, then having that person pay them in a timely manner in person, where they ( again ) confirm that is all that is owed, then go behind that person 's back and turn them over to collections on a whim without any notice for {$500.00} without any proof or reasoning seems like it should be illegal or at least punishable by law somehow.

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 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Problem/Issue : After informing Marcus about an incorrect address, Marcus continues to send statements to an address that I no longer live at. 

Result : Statements not received, late statements and a risk to me as someone can pick up my statement and create fraud. Marcus management is neglecting their duties to protect my data, inform me of a regular timely statement through US mail that can be paid before encountering a late fee. 

Expectation : Marcus will permanently fix the address issue and send me timely reliable statements. 

Background information : Marcus took over the GM Card after XXXX no longer did this in XX/XX/2022. I moved and informed Marcus of my new address. I began receiving the statement at my new address with the correct address. In XX/XX/2022, I did not receive a statement from Marcus. I logged on to Marcuss website and downloaded the statement and paid the bill. 
I called Marcus and informed them that I did not receive a statement. They offered to mail one or email it to me. I informed Marcus that the XXXX statement had an error on it, and the address was incorrect. I indicated to Marcus that I wanted them to correct the address issue and send statements to my current address and that there was a problem with their information billing system. Marcus has my current correct address associated with my customer profile. I also provided it to the customer service representative who indicated that Marcus would fix the incorrect address. The customer service representative seemed to not understand the issue after repeating the situation a number of times to her. 
On XX/XX/2022, I received a letter from the US Post Office with a yellow label on it stating inform sender of address. I opened the statement, and it had my old address on it. I received the statement late and had to rush to pay it before encountering a late fee, in which Marcus is to blame, since they again failed to protect my data and send me statements directly. 
I called Marcus again to inform them about the incorrect address on my billing statement. Again, I found disconcerting was that the representative would not take the issue and assure me that it will be fixed. I informed Marcus that I am going to file a complaint. Marcus does not seem to care about my personal data, business with them, compliance with the credit card agreement, and sending me reliable, accurate and timely statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: TX

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 confidentially under 15 USC 1681. 

Account XXXX Bank XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX XXXX XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes

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 2022-10-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account XXXX Bank XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes

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 2022-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have an account with Bank of America and XXXX Bank. On XX/XX/XXXX, I checked my Bofa account and I noticed that the was a XXXX transfer of {$3400.00} to " XXXX '' on XX/XX/XXXX and I started panicking because I never received a text or notification on my phone about the XXXX transfer especially with the large amount gone. I was also confused because I unlinked my XXXX from Bank of America a long time ago when I opened up my account with XXXX  so that XXXX would have my XXXX linked. I checked my activity on Bank of America and there is no record or history of a transfer going out to " XXXX '' which I found odd and decided to check my activity also on XXXX and found nothing either. So I immediately called Bank of America customer service and reported the fraud and after 10 days on XX/XX/XXXX they replied saying they are unable to refund me my money and to contact them to see why I wasn't able to receive my money back. Ever since I have been trying to contact Bank of America customer service and fraud line everyday and waited hours on the line with no one picking up the phone. To this day I still don't know my reasons of being denied a refund for fraud on my account and I truly believe that I deserve the credits back in my account since I never approved the transfer nor have any knowledge of 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 2022-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a check account with Chase Bank since year 2007. I am used to make online payment to my HOA monthly assessment fee. 

As usual. I chose the proof of payment service and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

XXXX week later. I received the statement from my HOA, the XXXX XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the Chase Bank and XXXX XXXX XXXX XXXX a few times to get more information. I also request more than one time for the late fee from Chase Bank to pay to the HOA, but the Chase Bank keeping told me they are not responsibility for it, maybe has the other issues like USPS delivery or something can not be expected. The other one XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. ( See attachments 2 and 3 ) I am going to ask you to help me, please. If this situation is the Chase Bank fail to do the service of proof of payment, could you please make them to take this responsibility. Or contact my HOA directly to know that maybe HOA their bank has their own issues. My HOA wont give me a break, they enforce the late fee and interest to me, you know the inflation make our life tough than ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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:
This complaint is to inform the CFPB the Equifax in improperly reporting inaccurate information on my credit report. 
And have failed on their promise to remove the items since since XX/XX/XXXX. 
XXXX XXXX XXXXi account number XXXX XXXXl XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  Account number XXXX Date open on credit file XX/XX/XXXX. XXXX. Another XXXX XXXXXXXX account XXXX with opened date XX/XX/XXXX XXXX XXXX Account number XXXX. As of today, these items are still updating on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I spoke to Wells Fargo, asked for a pay off quote, I asked for all paperwork including a remic. The only thing they sent me was a payoff amount. They have not responded back to me since. My mortgage and SS number are being messed with.

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 2022-10-29 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: FL

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 XXXXXXXX, 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 explanation