vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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:
The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
At the start of the pandemic, end of XXXX of XXXX, I called the leasing company to make a payment for XXXX of XXXX and was told by an agent who took my payment over the phone ( at their company ) that my leasing company that due to the pandemic, they would defer my payments for 4-6 months. I went through a series of questions and was told it was being recorded to which I agreed to everything and at the end of the phone call was told nothing else needed to be done on my end and to stay safe. 

Come XX/XX/XXXX, I was speaking with a friend at his place of business and there was a gentleman outside who hooked up my car and told me it was being repossessed for non payment. He gave me a number which led to about 5 other numbers and calls to get in contact with someone. 
After wondering why my car was being taken away, I was told me there was no documentation on the deferment and said they would give me the car back only if I paid {$47000.00} something the remainder of the car. Which made no sense because it was a lease. 
I asked to speak to a supervisor and within two days someone called and told me that I had to pay the full balance on the car. I was never late EVER until COVID. 

I actually offered to pay the 4 months I was behind and another 2 months forward. They declined and told me that they would accept the {$47000.00} plus payment to release the car. When I asked why I was never called about any matters to being denied of this deferment and was informed they were calling my ex husband, my mother and my daughter 's cell phones to which NONE of those numbers were listed on my account when I signed up for the lease! 

On XX/XX/XXXX, at XXXX, a woman named XXXX XXXX XXXX and asked me what happened ONLY after I replied to an email ad I received from Bethpage Financial. I told her the whole story to which she told me the way the situation was handled was incorrect and she would look into it. 

She never got back to me and neither did anyone at BethPage. But they posted a repossessed on my credit which I had worked tirelessly after my divorce to improve and NEVER was late on any payments. 

COVID was and still is a financial disaster. So many hard working people are penalized and have lost everything they own to this pandemic. I tried to make a deal with them and keep my car which I loved so much. To no avail, only to be penalized and had my car taken from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was scammed out of {$3400.00} by a XXXX imposter! I reported it to Bank America and they denied my claim. I am XXXX yrs old and the scammer told me my bank acct had been breached and showed me where money had been taken from my account ( lie ) to get me to send a XXXX transaction to a third party,. I did not know what that was until it was too late, This happened on XX/XX/2022 by XXXX XXXX at XXXX XXXX. This is devastating to me as I am XXXX XXXX XXXX XXXX XXXX XXXX  only and all the savings I had. Please help me get my money back, please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Chime Financial Inc
State: NH

Complaint narrative:
I made two one time payments with a company XXXX for {$25.00} each totaling {$50.00} the company XXXX then turned around and charge $ XXXX and $ XXXX a few days later I have gone back and forth with Chime my bank telling them this wasnt authorized and they refuse to give me my money back. They want supporting documents on a charge that I didnt authorize they didnt exactly give me a receipt for the charge since as I said it was not authorized. Ive rebutted the decision of which each time is denied about 5 minutes after submitting the request. So no actual investigation is happening into the matter. I need help and its appalling that I need to reach out to you so that MY bank gives me MY money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an 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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, Credit Systems Inc. IN reported a collections account to XXXX. This account was a XXXX XXXX utility bill from Texas. I have never opened accounts or lived in Texas. Not this account is posted as being a collection account, destroying my credit. I have contacted XXXX and XXXX XXXX, reporting my stolen identity/social security #. 

XXXX XXXX XXXX XXXX {$540.00} Acct. : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. 
In late XXXX ( XX/XX/XXXX ), on a site called XXXX  ( no longer online, here is the link to the site : XXXX XXXX XXXX ), I purchased shoes using my Bank of America ( BoA ) credit card. The shoes said they are made in the USA and that they are orthopedic. 

Hours after I place the order I got a shipping notification with a USPS tracking number ( XXXX ), but the link in the email is to a XXXX shipment tracking site. So it ticked off an alarm in my head and I emailed the merchant to cancel the order ( they also had a free 60 day return policy listed on their site ). 

An hour after that email, the site is no longer online. At that point I called to file a dispute with BoA dispute department. Case number XXXX, for card ending in XXXX. 

I get the money back. The merchant hasn't responded to my initial email asking to cancel the order in the meantime. The item then arrives on XX/XX/XXXX and the item is made in XXXX, not in the USA like listed on the site, and is clearly not orthopedic. I sent the merchant another email on XX/XX/XXXX asking to return the item, but got on response. 
2 weeks after I started the dispute, BoA gets back to me saying that the claim is resolved. 

About 2 weeks ago ( XX/XX/XXXX ) the BoA dispute department sent me a letter that " new evidence came to light '' and that the merchant told them that the item was delivered. 
BoA dispute department is asking for a return slip or a return tracking number. 
I sent them the emails I sent the merchant and I wrote to them that the site went offline mere hours after I placed the order, which should tip them off that the merchant is a scammer. On Friday, XX/XX/XXXX, I got a message that the proof wasn't sufficient and BoA put the charge back on my card. 

I tried calling Customer service following their decision, and they said " you didn't return the item ''. Now, how would I return the item if I have no shipping address and the merchant isn't answering emails or communication, which I have clearly proved in my documents to BoA? 

In my letter to BoA, I have also listed the fact that the merchant hasn't responded to me, but he has to them. I made it clear to BoA that I still have the item and that if they contact the merchant and get a return address ( as they have no problem reaching him ), I will return the item gladly as I do not want the shoes. 

I also tried reaching out to the head of client care at BoA on Friday, XX/XX/XXXX, but I have received no answer as of yet. 

The emails I sent the merchant and showed BoA are attached to this complaint ( again, I received no response from the merchant to this day ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 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: TN

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. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 XXXX Account # XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
dear Sir! 

I am having a checking account with PNC Bank. A Premier Checking account holder is issued a cashier check free or without fees. I was issued a check by bank for amount of {$220.00}. The said cashier check was issued by XX/XX/2021 to pay for XXXX. XXXX XXXX. I, how ever, had lost the said check. I took time to locate the misplaced check. 

Finally, I approached bank branch for a request to cancel check. I was told that the branch do not keep copy of check beyond 60 days. Paper copies are destroyed in next 30 days. My monthly statements do not include information of issuance of cashier checks. Money of amount of check and commission if any are withdrawn from account or a member can bring cash and cashier check issued. A slip is issued that shows cashier check information including number and date issued. I do no have that slip and branch also destroys such slips after 60 days. 

I called customer service. How ever they do not have any more information beyond checking account statement. I could not get help. I should mention that bank do not give paper copy in addition to check. The paper copy that the bank keeps is to be destroyed. 

I have had lost another cashier check before 7 years with a bank in New York. I was abroad for more than 3 months. On return, I approached bank branch and check refund was deposited in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a call from a Capital One representative asking if I knew a certain person. I said no. He said no worries, it looks like your account has been involved in a fraud. Also stated that I would get my money back. He said go to the XXXX app, which I had no clue to what that app was even about. He then proceeded to instruct me on what to do on that app. He told me the amounts to put and in the memo part to put refund. So I did thinking this man was from Capital One. I looked at my checking account to see if the money had been refunded and he said it took up to XXXX hrs. This was on XX/XX/2022 which was a Saturday, and then again on XX/XX/2022 which was the Sunday. So on Monday, I went to the branch office and talked to XXXX XXXX and explained the situation. She stated that this was fraud, and so did the person in the fraud department, all assuring me not to worry that I would get my money back. The bank sent me the transactions that had taken place. There were XXXX transactions to a XXXX XXXX to a XXXX Banking account. XXXX transactions at {$900.00} dollars, and XXXX transactions at {$700.00} dollars, totaling an amount of {$5000.00} dollars. The bank said they would investigate this, after investigated the bank notified me and it stated that they looked into this and our research shows the payment was processed according to my payment instructions, and no fraud had taken place. I am XXXX XXXX XXXX, and this was a lot of money to have been stolen from my account, not knowing that the man calling was not even associated with my bank. I feel like Capital One turned their back on me by not looking into this matter more. If Capital One would have checked into my spending habits, they would have seen that I NEVER spend this kind of money. I have never used XXXX never heard of XXXX, but the bank never looked into this either. What happened to FDIC, and me being protected by this type of thing. Seems to me that the criminal had more rights than I did. I am hoping that your company can help me get this fraud resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This ground for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written 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 2022-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc
State: TX

Complaint narrative:
XXXX stipulates that colonoscopies will not result in charges, co-pays or deductibles, to the patient. 
XXXX of XX/XX/2021, paid " doctor fee '' of {$100.00} on day of visit, and then billed {$140.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dr office says it was XXXX XXXX XXXX' not XXXX XXXX XXXX' since a XXXX was removed so they can charge. To my understanding according to ACA it makes no difference. 
And how would anyone know if there was one removed anyway.

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