vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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 wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2022-10-06 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: FL

Complaint narrative:
I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
XX/XX/2022 Confirmed order for XXXX  in he amount t of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX also promised the XXXX would be installed within 10 to 11 weeks ... no exceptions XX/XX/2022 XXXX called for my debit card number to pay the deposit of {$3300.00} XX/XX/2022 XXXX notified me that no windows were received as of that date XX/XX/2022 I asked for an update on the XXXX, XXXX stated they should be shipped shortly XX/XX/2022 I stated that was not an answer, XXXX emailed the manufacturer, said if no no definite date I could cancel. 
XX/XX/2022 XXXX stated he would get back to me by XXXX, he didn't XX/XX/2022 I asked to cancel the order, no answer XX/XX/2022 I asked to cancel again XX/XX/2022 XXXX sent me a screenshot of text from the manufacturer stating the XXXX were in manufacturing pre load which means they were not even made at this point. I have the screen shot. He also thought it was funny joking around about he order. Again, I have the entire communication in text format. 
XX/XX/2022 I asked for a refund again. 
XX/XX/2022 XXXX stated the lead time was 8-10 weeks which had already passed. He still wanted to do the job. I said no. I asked for a refund twice more XX/XX/2022 I advised XXXX that XXXX filed a dispute with Bank of America XX/XX/2022 XXXX replied that he could not refund me because he already spent the money on the XXXX and it was too late in the process. 

I was under the impression that Bank of America would process my claim as expeditiously as possible. I understood that the merchant has the opportunity to refute the claim within 45 days, which they did by sending a photo of a box with XXXX in it. As far as I know, they weren't the windows I ordered and I cancelled before they were made anyway. 

I called Bank of America many, many times speaking to agents and supervisors only to hear very different excuses. The merchant ( XXXX XXXX ) stopped responding. They kept saying they are researching the claim and there is no time limit on the process! They also said at one point that the Bank of America XXXX is who is researching the claim and makes the decision whether I would be refunded or not. Well, this organization doesn't exist as far as I can tell.

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 2022-10-06 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: MI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 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: MI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Back in XXXX I received a check from an employer. I thought it would be a good idea to open a bank locally so I opened an account with Truist bank and decided to cash my payroll check with them. I opened an account with the XXXXXXXX XXXX XXXXXXXX XXXX location. When cashing the check they deemed the check as fraudulent even though the check was not fraudulent by any means. They closed the account and blocked me from having any access to this account. Due to the fact that this occurred the employer sent my last paycheck via XXXX to ensure that something like that wouldnt happen again. From what i understood this cash was voided out and not deposited in my account. I was wrong. I received a statement from Truist bank that the funds had in fact been deposited into the account. I spoke with the employer who issued the check and he confirmed that the funds were withdrawn from his account in XXXXI spoke with the customer service representative over the phone and they advised me that I would have to speak with the banker. So I spoke with the banker his name was XXXX and he advised me that he would work on finding a solution to the issue. Ive called back frequently and every single time Ive spoken to XXXX he has been very rude and is not taking the issue seriously. It has been over a month and I have still not received a resolution. My now XXXX dollar balance is down to XXXX dollars because every single month I am being charged a XXXX dollar maintenance fee on an account I no longer have access to and funds I have never had access to. I refuse to pay fees on an account I have not had access to. The full XXXX needs to be sent back to the employer or I need to have access to the funds so that I can send the money back to the employer.

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a Synchrony Amazon Card I think that you can use it other places but I don't know because I think I used it once XXXX years ago and paid it immediately. I moved 11 months ago and have been getting emails and texts and calls of them telling me I owe and I called and said i did not use it and cancelled card I did this 4 or more times in the last year. Then I thought I got it cancelled and they " took care of the fraudulent charges '' and I got an email stating that I requested a new card and now I am getting new texts charges and I told them I did NOT request a new card they obviously never took care of the old problems because the charges were around {$50.00} that were not mine and now they have {$300.00} in charges. I have spoken to anyone and everyone at synchrony ( they are in another country the call center and you have to wait at least 30 minutes to speak to a rep ) which I had done NUMEROUS TIMES!!!! I have also reported this to Amazon, but while they were very nice they said the credit cards like Synchrony, XXXX or whatever with the Amazon name has nothing to do with them. I am at my wits end this is FRAUD and it's going on my credit report and I do not want anything to do with this company they need to make sure there are NO cards with my name on it and they need to take care of these fraudulent charges. Thank you for any and all 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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I signed up for a Chase Freedom Unlimited credit card yesterday which offered a free balance transfer. I was approved, but my balance transfer was declined due to the transfer balance being from an existing Chase Sapphire Reserved credit card. Chase will not allow balance transfers from existing accounts with them. However, this is not stated anywhere on the application for the Chase Freedom Unlimited card. If I had known, I would not have applied for this card. I have canceled the card, but now I have a hard inquiry and closed account on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, hope you're doing great! I'm reaching out about a scam through XXXX a couple of weeks ago. 

My wife was scammed to transfer {$300.00} which she sent through the XXXX XXXX. 

We called Chase ASAP and they said that they money was as good as sent without even making an attempt to see the bank the money was sent to. We have the name ( or username ) of the person - still they said nothing could be done. 

We have evidence that this was a scam that can be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Financial Data Systems
State: NC

Complaint narrative:
Okay today - Financial data systems falsified another complaint response by tagging it a duplicate complaint. I filed a complaint regarding them sending me a threatening letter coercing me to stop disputing ( see attached ) okay so again, this has happened multiple times over the past 8 weeks - Financial Data systems is providing falsified responses to the CFPB in a cover up attempt and not having to respond to the complaint which is a serious violation that they have not responded to at all this far. More proof- the complaint number today that Financial Data Systems responded with a duplicate tag is XXXX and they claimed that that complaint number is a duplicate of XXXX which when you actually look at that complaint it is an entirely different complaint and totally different subject matter! I have copies of it all Im attaching it all here. Again this is not a duplicate- this complaint may have been submitted several times and thats only because the complaint has never been answered to by Financial data systems because they keep concealing it through deception. I have proof of them with this pattern of behavior and happening often.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TN

Complaint narrative:
On XX/XX/2022, I got a text from Transunion saying an account was opened in my name. The problem is I have not open any accounts around that time at all. I am not seeking any credit at this time. The account that was opened was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I called the company after I found their phone number on my credit report. They quickly closed the account but they then left the inquiry on my report which impacts my XXXX XXXX and I need that inquiry removed. 

The account was closed when I called the company and told them that was not me. They sent me a letter with actions to take to get it removed.

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 2022-10-06 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 Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX ( XXXX ) # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: PA

Complaint narrative:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX  while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-06 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: TX

Complaint narrative:
Equifax XXXX XXXX XXXX is still showing on my credit report please remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
Guild Mortgage reported late payments on my consumer reports XX/XX/22 and XX/XX/22. They know good and well there's no such thing as late payments according to federal law, so they are violating my rights as a consumer. Delete these alleged late payments immediately-you have 7 days to do so, or I will be taking legal action. This is according to 15 USC 1666b-timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MS

Complaint narrative:
On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to be removed.

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 2022-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
XXXX transferred my Savings Account to Citizens in XX/XX/2022. XXXX did not charge my account any service fees. Citizens immediately began charging me dormant fees, service fees, and now statement fees. I did not consent to all these fees, and Citizens did not clearly advise me of the change in terms during transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NE

Complaint narrative:
already filed a complaint forgot to add the second attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$590.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. 


Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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