vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the CRAs ample opportunity to remove this account and they refused.

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 2022-05-26 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Birchwood Credit Services, Inc.
State: DC

Complaint narrative:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX XXXX I receive a text from Chase asking me if I was trying to XXXX {$2000.00}. I text back no and about 2 minutes later I received a call from Chase Fraud. It came up as Chase 's number and so did the text message. The guy on the other end of the phone stated he was from Chase fraud and there was activity happening in my XXXX account and it has been compromised. He never asked me for personal information. He did state I had to change a few things in my XXXX account so I may secure my account. Now since I am confused because he NEVER asked for personal information so I believe he is from Chase I followed instructions. I updated my XXXX contact and I was told to send myself {$1400.00} to get my money back. I authorized {$1400.00} to be sent TO ME!!!! It was under my name and using my phone number but it went someplace else. I contacted Chase several times and they keep telling me they will not assist because I authorized a transfer. but I authorized it to myself and it did not so to me. So where did it go?? Why is Chase not assisting in fraud no matter how it occurred???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: KS

Complaint narrative:
Someone opened a fraudulent account in my name. I sent all paperwork requested. Received a letter stating fraudulent account was proven to be fraudulent. The account was to be cleared up in a few months.Now I have received a letter requesting that I send all paperwork again. The company is Montgomery Ward. Please help me. I need to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am issuing this complaint to inform the company of identity theft on my credit report and to act accordingly

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 2022-05-26 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: FL

Complaint narrative:
I sent a letter to TransUnion demanding the removal of a record reporting on my consumer report as " XXXX XXXX XXXX Florida ''. According to the USPS, TransUnion received this notice on XX/XX/22. TransUnion completed its investigation stating that it " Verified '' the reporting record as accurate. I did not request for " Validation '' of this record TransUnion. In my letter, I requested the removal of this record from my consumer report because it violated 5 U.S. Code 1681b ( 2 ) with the written instructions of the consumer to whom it relates. I did not give TransUnion or any of its " Public Record Vendors '' permission to obtain or use my " Personal Information '' to report any cases to my consumer report. Therefore, TransUnion has committed " Aggravated Identity Theft '' in accordance with 18 U.S. Code 1028A knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person. I spoke with XXXX XXXX In TransUnion 's legal department at phone number XXXX. She stated that " We are in our legal grounds with your file, I am not sure what you are finding on the internet ''. And that I was more than welcome to file a lawsuit.

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 2022-05-26 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
When I made a payment with the following information provided by Chase, Chase claimed that although this payment was effective on XX/XX/2022, it is posted on XX/XX/2022. Any reasonable people would think effective means posted. 

Account ending in : **** Payment amount : $ **** Effective date : XX/XX/2022 Payment authorized on : XX/XX/2022 My complaint is that Chase provides misleading information, which caused high credit usage reported to the credit bureau and affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not owned the property that this mortgage was attached to in XXXX of 2019. The property with the mortgage in question was sold at a judicial tax sale. The tax sale was held and administered by the XXXX XXXX XXXX XXXX XXXX. Once the property sold at the tax sale, the lienholder continued to pursue me for the debt. 

I have spoken with them countless times on this matter. I have made no progress. They have continued to report negatively to the major credit bureaus. I do not know what else to do. 

The Mortgage company is 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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/22, I used Paypal to purchase a concert ticket. I was sold a counterfeit ticket, it was a scam. I contacted Paypal on XX/XX/22 to report the fraud and request a reversal or refund. They refused to help me. I offered to provide evidence and they were not interested, they chose to side with the criminal rather than their customer, they are complicit in the crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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 Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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 2022-05-26 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
See attached checks and letter My Email is wrong it should be XXXX XXXX I tried to change it but it wouldnt let me go to edit it so please make a note of this thank you so much.

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 2022-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
After months of looking on the AES Success website for a mechanism to pay down the principle on my student loan, I finally chatted a customer service representative to ask. 

The individual informed me that I had to ASK for that feature to be turned on, otherwise, my overpayments would always go toward my next payment amount and the company could continue charging interest on the overall principle. 

If not illegal, this practice is immoral! AES Success should be ashamed of themselves and they should be forced to give clients an option with each payment as other lenders do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022, at approximately XXXX, my cellphone started receiving hundreds of random text, calls, and emails from spams. The text showed access codes to multiple accounts such as XXXX, XXXX XXXX, bank of america, etc. I also received phone calls from XXXX XXXX according to caller i.d . with people talking in a foreign language I couldn't understand. Eventually, after about an hour of this activity I called XXXX to see if they could help stop the calls and text. They provided me with a scam block app and the text and calls stopped. At approximately XXXX on XX/XX/2022, I received a message from Bank of America stating my bank account was low ( under {$100.00} ). I immediately used my mobile app to check my account. At that time I noticed someone had called into Bank of America without my authorization and transferred {$7000.00} from my business account and transferred it to my personal account. Then they proceeded to charge {$290.00} ( 36 times ) withdrawing a total of {$9200.00} to a company called XXXX. I immediately froze my debit card and contacted Bank of America. I was told the claims dept didn't open until XXXX the following day. I contacted the claims dept. at XXXX on XX/XX/2022. I filed a claim and I was told to go to a local branch to open a new account. I complied. On XX/XX/2022, I received a message from Bank of America saying I authorized the transfer and they were unable to approve my claim. I called Bank of America on XX/XX/2022, advising once again I did not authorize any transaction or transfer of funds in the amount of {$9200.00}. They advised me they would review case again. Haven't heard from them since. PLEASE HELP!!

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 2022-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: TX

Complaint narrative:
VyStar Credit Union, I believe, is not meeting their Fiduciary Duty. I received an email from Vystar on XX/XX/2022 stating that beginning on XX/XX/2022 until XX/XX/2022 online and mobile banking will be off line. At least 5 days before I had no way to use the bill pay option on the website. The system went down on XX/XX/2022, and wasnt functioning at all for at least 10 days. Vystar is limiting how many people can log on at once, and I can only see my last three transactions online when I can log on. Its been a difficult process to get into the system. Vystar has given no date when this problem will be resolved. The reason I believe Vystar isnt meeting their Fiduciary Duties are the fact they gave XXXX XXXX dollars to a start up company, XXXX, that shares the building they are in, has no other customers, and has two of Vystar Excutives on their board, XXXX XXXX, and XXXX XXXX. I as a Vystar Credit Union Member believe they continue to work with XXXX, because if their on going ties to them. I feel that since there are no time frame of when the online banking system will be up, or if it will be operational at all they should be looking for another more experienced IT company to resolve this ongoing issue.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar credit union rolled out a new & updated app and online banking platform ( yes, both at the same time ). Neither work. Every account of all users is completely inaccessible for TWO WEEKS now. The only way is to go into the bank, call or atm, but you can not see your transactions. The CEO & other executives refuse to address members. They have only spoken to the local news to spin. Its further concerning that they have used an IT start up located in their offices in downtown town XXXX called XXXX. They are the only client of this XXXX  company and multiple VyStar credit union executives sit on the board of this start up XXXX. They awarded their own start up XXXX XXXX to handle this botch job. Smells of self-dealing to us members.

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