vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received text message regarding suspicious online activity ( 2 charges ) in the amount of {$350.00} on XX/XX/22 on my Oportun Visa credit card ( card ending in XXXX ). 

Reported charges to fraud dept twice ( on XX/XX/22 & XX/XX/22 ). Was told that card would immediately be canceled, issued a new card, and fraudulent charges would be removed from my account by the time the new card arrived within 7-10 business days. The new card was received on XX/XX/22 ( new card ending in XXXX ). 

I was also told that if new card arrived and fraudulent charges were not removed yet, to call customer service back. 

On XX/XX/22 called customer service numerous times and was put through an endless loop of foreign speaking representatives all claiming that they were incapable of resolving my issue and they needed to transfer me to another dept.and so forth and so on. This occurred for a total of 56 minutes of being told the same scripted dialogue over and over again without resolution. 

Mind you, I had a XXXX {$0.00} balance prior to this fraudulent activity on XX/XX/22. 
The last time I personally used the card was on XX/XX/22 in which I charged {$190.00} AND paid the balance off IN FULL on XX/XX/22.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/22 I made a purchase at the XXXX XXXX with the XXXX XXXX XXXX. It was for a phone and XXXX XXXX plan for {$1000.00} and {$19.00}. I was unhappy with the purchase and returned the phone to XXXX. On XX/XX/22 XXXX XXXX issued a refund of the original purchase to the card I used for the purchase. 

Synchrony never applied the refund to my account. I verified the refund had been issued by XXXX XXXX and then contacted Synchrony. I initiated a dispute and received my first response on XX/XX/22. They issued a refund for {$19.00}. I followed their procedure when a dispute is not resolved and submitted a fax of the email showing the refund for the full amount had been issued by XXXX XXXX. On XX/XX/22 I received an email stating they would not be issuing a refund because " According to our records, you entered into an agreement with the merchant for the charge in question. As the merchant sets the policies regarding cancellations or refunds, please contact the merchant directly for any additional questions. ''

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 2022-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has reinstated XXXXXXXX XXXX XXXX account # XXXX without following the law that protects me from abusive practices such as this. I was never given the proper 5-day notice that they have put this erroneous account back on my consumer report and why?

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
I closed on my home at XXXX XXXX XXXX, XXXX XXXX, SC XXXX on XX/XX/XXXX. I am trying to figure out if my mortgage lender, Amerihome, approves home loans with inadequate insurance such as no water damage liability. In XX/XX/XXXX, the XXXX XXXX my realtor set me up with in XXXX changed my insurance from XXXX to Homeowners of XXXX and did not fully disclose there was limited water damage. My home recently had a severe water loss due to a pipe burst ( date of loss XX/XX/XXXXXXXX XXXX XXXX the Agent is saying I had zero water damage liability when I first bought my home and now I at least have some coverage. Only when the Agent said this did I discover that my first policy, the one that Amerihome approved my loan with, had zero water damage liability. It's hard for me to wrap my head around the fact that a mortgage lender, who owns more of my home than I do at this point, would allow the insurance to exclude water damage ( i.e. from burst pipes ) when they have so much vested in the asset.

When I called Amerihome about this, they would only say that the policies I had and now have met their standards and they refused to provide me with a copy of their " standards '' in writing.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern, 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 of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : -XXXX XXXX Date Reported : XX/XX/XXXX -Discharged XXXX  XXXX Bankruptcy Date Reported : XX/XX/XXXX. 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 — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and DOB to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently XXXX bank. 
I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) 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: OH

Complaint narrative:
I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want you to get them removed. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX via XXXX PLUS XX/XX/2022 XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 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: IL

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 XXXX # XXXXXXXX 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 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 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: IL

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 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 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 2022-10-18 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX through the XXXX I was charged from numerous international companies in small amounts, all documents attached below, and some large amounts all. these companies continued to charge my account even after I had called the bank and reported the false charges. The bank has stated they have sent me a text message on XX/XX/XXXX but that had nothing to do with these charges. The bank waited until the XXXX to send a alert to me stating there had been fraud which I replied no to, they then followed up with a message saying they would contact me back which they never did, I called them a hour later and they told me my debit card was hacked and the account was secure. I continued to receive charges up to the XXXX even when pending charges, they let the charges continue. each time I called back was a different excuse, and the phone recordings as they stated will show so. Ive recently called back asking about XXXX XXXX liability and them telling me they escalated the case ( when they told me I would get a call back in 3 business days ) and they denied even having zero liability then not being able to do anything about it, and the escalated case was entered incorrectly and its going to take another 7 buisness days. Every time I call there's a new excuse and they need more time. I have filed a police report and I will be contacting a lawyer, but this is very stressful as it was close to {$4000.00} and they denied the provisional credit and the cases. They keep stating, after lying and giving odd reasons about my debit card being hacked, that it was now used on my phone, even though all these charges were international.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
I have contacted company and requested written documents showing ownership and liability of debt as to date none have been provided. XXXX XXXX has reviewed and found the debt unauthorized and/or not provided as such this debt is not valid. Further more this debt was purchased by a third party debt collector Who is reporting medical information in violation of HIPAA laws.

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 : XXXX # XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX Account : XXXX XXXXL XXXX # XXXX Account : XXXX XXXX XXXX XXXX Account ; XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 USC 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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I lost my wallet in XX/XX/2022, someone used it, I reported it. All of the companies investigated and put the money back on my card, except for XXXX Per XXXX, I used my card. I was assigned a fraud person named XXXX. I have left him messages and emails to contact me. 
No reply at all. Its obvious they did not investigate adequately. 
XXXX number 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 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert. 
Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time. 
Willfully ignoring a cease and desist order. 
Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living. 
If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character. 
I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies. 
If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court. 
An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt. 
Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your license number and registered agent. 
Identification number of the state ID used to obtain the alleged line credit. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I got my checking and debt card blocked due circumstances beyond my own doing. Truist bank accused me of fraudulent because my account was overdrawn by XXXX dollars, and the check from insurance company, was not honored by XXXX XXXX stop payment on the check. All the information was presented to me by the bank itself. Now, I can not fuction normally my daily life. I am seeking legal action against as well.

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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The bank is charging me for a car that was a total lost and the insurance was supposed to paid off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank cashed approximately {$98000.00} of counterfeit checks in my account and is refusing to reimburse me saying that per their agreement we had only 30 days to let them know I missed the first few checks and therefore it was closer to 60 days before we were fully aware of the issue. 

I think they should have picked up the activity because it was an account that had very little activity until this and they did nothing

Company response to consumer: Closed with monetary relief