vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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:
On XX/XX/2022, a series of 4 consecutive unauthorized transactions amounting to {$9900.00} were made on my XXXX account. I immediately contacted my bank, Bank of America, and told them the transactions were not authorized by me and should be halted immediately. The bank told me that they would open a fraud claim immediately. What I found strange, and communicated to them, was that I received no alert of the transactions. The transactions were not shut down by my bank, even though they were clearly suspicious in nature. The way I found out was by checking my bank account. Before that time, on another occasion, I made XXXX transaction, around {$700.00}, which was significantly less than either of the 4 transactions but my card was declined as the bank found it suspicious. Why did the bank not do that in the case of the 4 unauthorized transactions? Over a month later I received mail from the bank claiming that 2 of the transactions, amounting to {$5300.00}, were authorized by me. I contacted XXXX to hear what they had to say. I was told by XXXX that my account was compromised, that they have a record of proof, and that I should contact my bank so that they could contact XXXX for verification that what I said is true. I contacted Bank of America multiple times and was told that they would look into it. Yet, they never reopened the claim and made it extraordinarily difficult for me to dispute the decision and make an appeal. I was basically told that the decision had already been made. One employee from Bank of America was able to start a new claim and leave a note to the investigator to contact XXXX on XX/XX/2022 ; however, the claim was closed about a week after under the premise that it was " already resolved. '' No effort to look at the new information was made. In fact, I contacted XXXX again and was told that the bank made no effort to contact them despite my instructions. So, XXXX provided me with a written statement saying that all four of the transactions were not authorized by me as my account was compromised. I submitted supporting documentation that serves as proof that the transactions were unauthorized 2 weeks ago. I have yet to receive any updates on the situation. More than a reasonable amount of time has passed. I have been making efforts for months to get the bank to cooperate yet they have been doing the bare minimum. I have been in constant contact with XXXX and they have been much more cooperative. They provided me with documentation and said that the bank should contact them yet the bank has not been cooperating at all. The bank pretended that they didn't know how to contact them, even after I provided them with a reference number and email. They simply did not want to contact XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # XXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I have participated in XXXX since 2010. I submitted my final documentation of on time payments and working for qualifying providers in mid XXXX. These documents were reviewed finally in early XXXX. The documents were incorrectly interpreted. 

I called one week ago to correct this error. About 2 hours on hold and reviewing file. PSLF counselor agreed that appropriate documents were present and that these should count as additional on time payments toward PSLF. She submitted a manual review. 

My payment counts were updated this week but remain incorrect. I have now spent another hour on hold and reviewing with PSLF counselor. 

I have low faith that this second manual review will resolve this issue. The counselor do not understand some of the basic criteria that this program uses ( I work for XXXX qualifying employers with more than 30 hours per week but they are unaware that this still counts as qualifying payments ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone asked me can they send me money with XXXX so that I can send it on XXXX XXXX and I did it not thinking much of it and then a month later the XXXX funds were taking from my account leaving my account to be - {$980.00}. I was not aware of this XXXX scam and my bank is doing nothing to help me. I have capital one bank. I tried multiple times to request a refund and the person did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: LendingPoint Holdings LLC
State: NC

Complaint narrative:
I was contacted by a gentleman that I believed to be affiliated with a company called Lending Point. I was seeking a personal loan and they told me they could assist me at the time. In order to qualify for the loan and receive the funds however, I was told my credit score needed to be raised which was understandable considering my current score. In order to do this, the lender told me they would make payments on my account from their end. They made XXXX separate payments which totaled upwards of {$4000.00}. When I spoke to the company over the phone, I was told that as soon as I paid them back that I would receive the agreed upon loan amount. In order to repay them I needed to purchase several gift cards totaling the amount of the payments they made to my credit card. After purchasing the cards and sending them the information on them, they assured me they would be sending me a loan. Only a few days later I was notified by discover card that the payments they made were returned unpaid, and that my credit card was now XXXX over my spending limit! Im trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian Information Solutions Inc., XXXX, and XXXX have violated my rights. 

XXXX5 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 an account without written instructions. 

The following information is incorrectly reported by Experian Information Solution Inc. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Through mail received unwarranted chase bank debit card with my name partially on it ( lacking the last few letters of last name ). Calls received from chase asking if I had any problems with the card. Then follow up call to cancel fraudulent account with no end in sight. I gave the unwarranted representation of chase no information at any time or during short phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: FC HoldCo LLC
State: TX

Complaint narrative:
INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT FLAGSHIP CREDIT ACCEPTNCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
The Money Source ( XXXX ) holds a mortgage on the home of my elderly mother. The property insurance and real estate taxes ( local , county and school taxes ) are to be paid by XXXX from her Escrow Account. 
Having recently taken over management of my mother 's financial affairs by Power of Attorney, I discovered that XXXX does not timely pay the school tax assessment against her real estate for more than a year, causing the the annual school taxes to accrue interest and costs until such time as a tax lien is placed upon her property. Once a tax lien is assessed against the property does XXXX discharge the tax debt. 
This XXXX practice had caused hundreds of dollars to accrue in interest and penalties on the taxes before being paid -- all of which are paid by mother. In fact, her monthly mortgage payment just increased ~ $ XXXX  monthly because of an escrow deficit which I'm certain is caused by her being assessed costs and interest taxes go unpaid until her property has a tax lien. 
I have written to them twice and yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: VA

Complaint narrative:
Account : XXXX XXXXXXXX XXXX XXXXXXXX Was removed from XXXX of the major credit bureaus therefore this account should be removed from the XXXX others clear indication that there are in accuracies being publish on my consumer report. 

Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Account number XXXX XXXX XXXX XXXX per statue 15usc these items are reporting in error. 






Account number XXXX BRIDGECREST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT 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 2022-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT 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 explanation
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an account with Capital one account # XXXX Routing number XXXX On XX/XX/XXXX I issued a check for rent that was apparently stolen and falsified by someone that Capital one told me was in Pennsylvania by the last name XXXX and was cashed at a personal account and bank in PA. I reported this a month after in XX/XX/XXXX when my landlord reported not receiving the payment. An investigation was open and all the information sent and confirm by the bank and every other report done. I was told that I had to wait until the bank that released the funds return it. This is terribly unfair because the bank should have some type of credit given while the investigation takes place. In a subsequent call the representative was laughing saying that she would hear me vent but there was nothing I Can do and If i wanted I could just close my accounts with Capital one. Someone in the fraud department. This is still unfair because that will not return my money and if I am good to put my money in their accounts If something happens and I prove this then my money should have some guarantee. 
Please help I feel hopeless and don't know what to do anymore to get this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
XX/XX/XXXX I notified the correction agency and provided written proof, admission of guilt and screenshots from the person admitting she was the one who signed my name electronically without my consent. I disputed this twice with transunion with the same back up documentation and they still refuse to remove 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