vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX 2023 there was XXXX fraudulent ATM withdrawals without my knowledge or permission. 
I disputed these transactions consisting of {$400.00}, XXXX, XXXX and XXXX totaling {$1400.00}. I informed USAA. An investigation was open and the {$1400.00} was immediately credited to my account. 
XX/XX/XXXX I called USAA back because I discovered there was more unauthorized withdrawals before XX/XX/XXXX. On XX/XX/XXXX. I didnt catch these because there were automatic payments and other XXXX funds transfers I made in between. On XXXX XXXX, 2023 I did not authorize or withdraw {$400.00}, {$300.00}, {$300.00}, {$500.00}, {$300.00}, {$400.00} totaling {$2700.00}. On XX/XX/XXXX USAA credited my account the XXXX. 
On XXXX XXXX 2023, USAA retracted the credits and withdrew the amounts from my account again. Thus, leaving my account in the negative unable to make payments and bills. 
As seen in the attachments below. I called USAA back XXXX XXXX, 2023, saying I am not responsible for these transactions. They would reopen and reinvestigate for me. XX/XX/XXXX they informed me the decision will remain. I am having to put both mortgages on hold and both car payments. I am still awaiting the decision the amount for XXXX, but I fear it will be the same result. I have other bills and payments I have put on hold. I am XXXX XXXX military and my check deposited today is almost gone. And if USAA rules the same on the first dispute. I will be in the negative again. If I miss payment and it gets back to my leadership it can affect my rank or result in disciplinary actions. I have been stressing on late payments or reports to the credit bureau. I shouldnt be responsible for fraudulent activity in my account that I didnt make. USAA makes it as if I am asking for somethings thats not mine, or not giving details on what evidence it was me. These withdrawals are totally out of normal for my account. 
Please assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
I called and requested a debt validation letter that included an itemized statement in XXXX of XXXX  and they asked me to send a request via email, which I did. I received no letter. I called again in XX/XX/2023 ( they have record of this phone conversation ) and requested the letter again. I waited 30 days, still nothing. I called today and ( XX/XX/2023 ) once again requesting the debt validation letter and asked why I hadnt received a letter after the last two attempts. 

They said they hadnt sent it out yet. Im so frustrated with the lack of response, I just want to see proof of this debt so I can pay get it over with. In the meantime they keep raising the debt owed with interest charges when I could have paid this months ago at the original price.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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 a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have two collection accounts on my credit report by a company called XXXX XXXX XXXX. XXXX is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. XXXX, Equifax, and XXXX did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have two collection accounts on my credit report by a company called XXXX XXXX XXXX. XXXX is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. XXXX, XXXX, and Experian did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Arvest Bank has failed to honor their Get XXXX bank bonus program even when I have successfully met the qualifying criteria each month to get the bonus. The bonus promo reads as follows ( my comments are in the square brackets for each criteria )... 

Once your account is opened, you will be eligible to earn up to three {$50.00} bonuses. Simply complete these steps during each statement cycle : - Open a personal checking account with the required minimum deposit [ YES I opened on XX/XX/2023 with {$50.00} opening deposit ] ; AND - Set up a qualifying direct deposit OR automatic payment OR recurring debit card transaction [ YES I setup a recurring debit card transaction that is sourced from XXXX in the amount of {$1.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ; I also setup another recurring debit card transaction thru XXXX in the amount of {$0.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ] on your account ; AND - Make eight ( 8 ) purchases with your debit card [ YES I made XXXX purchases on XXXX in the amount of {$1.00} each on XX/XX/2023 and another set of XXXX identical purchases on XX/XX/2023 ] Each {$50.00} bonus will be credited to your new personal checking account if all requirements are met by the end of your monthly statement cycle. To make it even easier, you have up to six statement cycles to earn the full {$150.00}. 

You must open your new account by XX/XX/2023 to be eligible for this exclusive offer. [ YES account was opened on XX/XX/2023 ] [ I have received none of the three {$50.00} bonus payments that I successfully qualified for to receive ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS BEYOND RIDICULOUS. I DON'T KNOW HOW THESE CONSUMER REPORTING AGENCIES CONTINUE TO GET AWAY WITH REPORTING INFORMATION WITHOUT PROVING ANYTHING. I KNOW FROM READING THAT I AM THE ORIGINAL CREDITOR SO HOW CAN THEY JUSTIFY THEIR ACTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX  CREDIT : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: Kentucky Higher Education Assistance Authority
State: NC

Complaint narrative:
XXXX  continues to post fraudulent activity on my account... i have no account with them and want it removed asap.. no investigation was done and i got no notifications

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  continues to post fraudulent activity on my account... i have no account with them and want it removed asap.. no investigation was done and i got no notifications

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made several attempts to close my checking account with BMO Harris bank through their main customer service number since I do not live near a local branch. I also requested all of my account statements since the statements do not load online ( which BMO Harris main customer service line admitted is a " known issue '' ). I finally was able to get my request to close my account ( and have a cashier 's check mailed to me at no cost ) as well as receive my account statements sent to me ( for free ) on XX/XX/2023. As of XX/XX/2023, I had not received anything, and my account still showed open online. I called the main customer service number, and they told me that my request was cancelled on XX/XX/2023. I asked why it was cancelled, and they would not tell me. I then called the branch in XXXX ( closest to my home of record ). The branch representative told me that they can not close my account without me coming in person ( which is impractical due to distance and a current military commitment ), and they would charge me for account statements despite them not being available through their website due to a " known issue '' on their part. The branch representative told me that to close my account remotely, I had to call the main customer service number. I asked her to assist me with this due to their refusal to close my account on prior occasions, and the branch representative told me that she was too busy to assist me due to " appointments. '' I told her that I needed to speak with a supervisor before filing a complaint with the CFPB, and after 25 minutes on hold, the call was disconnected. I did not receive a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: NY

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have tried to contact this company numerous times in regards to repayment. They either don't answer the phone or place me on an extremely long hold with no resolution insight. the one time I was able to contact them they informed me I would have to pay over {$5000.00} upfront to become current and that they couldn't offer me a payment plan or any type of arrangement until I made that payment. they have now start reporting to my Social Security number as a default payment but the account is still open and they refuse to close it although it's been over 10 years since I got the loan. When I tried to reach out during Covid they sent my call over to another company that they own who is now handling the payments but the company refuses to give me a name and I haven't received any correspondence in over three years in regards to this loan, but every year they take my state tax and any other aid that comes my way. Any time I do get a person I try to express my hardship, for me to be told there is nothing to be done outside of paying that lump sum upfront. I was encouraged by my school to get this high interest loan to cover a few XXXX dollars. I was short for the semester to now oh almost tripled, that amount that I agreed to because of interest.

Company response to consumer: Closed with explanation