vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where Bank of America closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced Bank of America to apologize, unlock our account, as well as fix our XXXX status so that we could open accounts again at any other bank. Rightly so, we left Bank of America and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because Bank of America created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at Bank of America with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted XXXX and they mistakenly opened a credit card for me, and to contact Bank of America as they created the initial problem for us. We did all possible attempts to contact Bank of America and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.

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 2022-10-18 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: PA

Complaint narrative:
Spoke with XXXX customer service about having these fraudulent inquiries removed ( XXXX ) said XXXX is in violation of my consumer rights but did not remove them she said someone fraudulently accessed my report. Under 15 us code 1681 subsection ( c ) says any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer ( me ) I have been violated under this noting because they willingly and knowingly gave someone access which is fraudulent conduct on XXXX part I need those removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Carvana Group, LLC
State: UT

Complaint narrative:
My credit score shows at XXXX when in XXXX is XXXX, XXXX XXXX and XXXX XXXX. I don't know why it shows that is that low. What can we do to get it fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
A debt collection agency named Cooling and Winter LLC placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CA

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 15USC 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  XXXX XXXX XXXX 15 U.S.C . 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681 s-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 2022-10-18 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: CA

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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C . 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681 s-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 2022-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX XXXX I was told today would be the the day I would find out why square has been holding my funds since. XXXX XXXX. I keep getting customer service who say theyre escalating the case. Still not sure what that means? Not sure whats being reviewed? I have answered questions regarding change of account information that I changed by square via phone. 

No one reached out to me, I called square 3 times on XXXX XXXX. I finally received after escalating the account, It will be another 3-5 business days for review team to get back to me. No one has gotten back to me in 21 days as to what exactly is going on in my account. I have multiple calls and emails stating my concern. Square is holding estimate of {$8000.00} of my funds, I have had no access or answers where my money is? I have a family and employees. To hold someone income like this is completely disheartened and downright unfair. Ive been a customer for 5 years and never felt treated so unfairly in a situation. Unfortunately its come to where Im going to have to take legal steps to finally get to the bottom of why square has been holding my fund for 21 days with no explanation by their review team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
XX/XX/22 : Called AidAdvantage to refund me the payments I've made to my Federal Student Loans during the payment pause. I was informed it totaled over {$19000.00}. I was informed it would take from 4-6 weeks. 

XX/XX/22 : My refund request was approved. 

XX/XX/22 : I called AidAdvatange for an updated and was told that it my refund was approved, and it would take 4-6 weeks. 

Today, XX/XX/22 : It has been 7 weeks now and I still haven't seen any update on my AidAdvantage status. I have not received any status update with Student Aid as well. I have not received a penny of my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I made an agreement with FORTIVA so they can provide security service at the house. They told me that monthly payment would be {$15.00} for 2 years, this was on 2019 but they have been charging {$49.00} every month since then and the charge is coming from XXXX not from FORTIVA. They never sent me the contract so I called them and I tried to cancel the service but FORTIVA is asking for {$390.00} so they can continue and the second company XXXX is asking for {$880.00}. This is an abuse because they never mentioned that there were 2 companies involve and they said that they only charge would be {$15.00}. Can you please let us know if there is something that we can do? they are not whiling to help and they are just asking for us to pay. 

Than you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I received a letter from Sequium Asset Solutions , LLC ( a debt collection agency ) dated XX/XX/2022 saying I owed {$1400.00} ( reference number XXXX ) to XXXX XXXX XXXX mobility with an account ending in XXXX. I called them to get details. ( XXXX ) They said I had opened the phone account on XX/XX/2022 and the account was canceled for nonpayment. I told Sequium I wanted to dispute the debt. For the following reasons. 
-The name it was mailed to is my maiden name which I have not used for 7 years. 
-I have not had an XXXX XXXX XXXX  account. For the past year or so I've used XXXX XXXX for phone service. 
-I no record of an XXXX XXXX XXXX  account on my bank or credit card statements. 
-When I XXXX this company and the debt from XXXX  XXXX XXXX XXXX found that many people have had the same debt information told to them, and the XXXX XXXX XXXX has many complaints about this under the company 's name. ( see below ) hXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: MN

Complaint narrative:
On or around XXXX XXXX, an collection hit all 3 credit beaus with an account that is not mines and I have been a victim of identity theft in the past and has been working really hard to keep my name clean. The amount of this collections is {$490.00} and originates from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for an amex credit card at the beginning of 2022. The card opening bonus is XXXX rewarding points for meeting spending conditions within three months. My card was opened in early XXXX, but the courier company amex chose lost my card. So I contacted them to send the card again. didn't receive my card until the late XXXX. I contacted their customer service to ask for an extension on the time frame for completing the spending condition because I was already past that time frame when I received the card. But their customer service refused my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank manages two of my credit cards- Lowe 's and Amazon. Up until late XXXX, I would log into one card and see only the information for that one card. In late XXXX I logged into one of the cards and both cards information showed up. On XX/XX/2022, I called Synchrony Technical Assistance and was advised there was a new feature " account manager '' and if I didn't want to see all my credits cards Synchrony manages, I had to toggle the button to " off '' before logging into each account. I did that. Now several weeks later, I go to log in and the toggle is back in the " on '' position. On XX/XX/2022, I called again and told them to fix this problem, as the toggle should always be in the " off '' position and if someone wants to have their information co-mingled, they should toggle to the " on '' position. 

I accused them of co-mingling my private information ( i.e. user name and passwords ) from two separate companies together without my permission. Who's to say that one credit card company would not accidentally get the information about log in and password for the other company??? Synchrony claims they have the right to put multiple accounts under one umbrella. I DISAGREE. My information from one company should not be lumped together with another, as I said SEPARATE USER ID AND SEPARATE PASSWORDS. It would be if I were an accountant and had a client with separate businesses and then lumped them together in one reporting to said client. THIS IS WRONG. They are not willing to see this is wrong and fix it so the account manager feature stays " off '' and you would be required to turn it " on ''. 

I advised them that this would cause me to cancel these store credit card accounts and tell everyone I know about their practice to automatically violate our privacy without our permission.

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 2022-10-18 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

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 2022-10-18 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

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 2022-10-18 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-10-18 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: DISCOVER BANK
State: VA

Complaint narrative:
Around the Beginning of the year around XX/XX/2022 I received information in my email that said my account was being closed by discover. I called to get information why and they said that they didnt know why that they will send me a letter out never received a letter so in my email each month I keep getting something saying that my account was closed but I need to keep paying on it because my credit score each month to take a hit and go down like XXXX points XXXX points because my credit score to go down a lot but discovery is saying my account is closed so I keep each month getting notice saying its delinquent derogatory remark, make payment, but is closed. The account is closed it is stating that it is closed. and I monitor my credit and wallet hub send me information telling me this has to be a mistake because my account is closed but the numbers keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  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