vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In or about XXXX my wife and I sustained a credit breach from a Credit Bureau. Consistent with procedure we initiated a credit freeze with Agencies including Experian. Experian issued us passwords to access and turn off and on said freeze. Recently I had need to grant access to our Experian files. None of the passwords worked. Calls and letters to Experian went unanswered or met with non-responsive or inappropriate responses. On XX/XX/XXXX I sent Experian a Certified Letter. This also met with an inappropriate response which indicated that my letter was not even read. 
Experian is allowed to operate to provide a regulated public service, but fails to provide said service in an acceptable manner. As a result, I have been unable to conduct essential business and I have suffered losses. 
All of the above is documented in the Exhibits in ATTACHMENT 1.

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 2022-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a collection letter from Collection Services of Athens stating that I owed a past-due bill of {$360.00} from Athens XXXX XXXX for XXXX rendered on XX/XX/XXXX ( XXXX  Account Number XXXX ). Upon calling Collection Services of Athens on XX/XX/XXXX to inquire about the nature of the bill, I was informed that I owed an additional {$780.00} for services rendered on XX/XX/XXXX to XXXX XXXX XXXX Athens ( XXXX  Account Number XXXX ). I had not received any prior communication from any of these XXXX entities prior to this and it seems to me this is grossly unfair being as I'm on a fixed income. When I asked why nobody had contacted me prior to XX/XX/XXXX, they responded by saying letters were returned, phone calls not answered and they weren't in the habit of leaving voicemails. Although I did move from XXXX GA to XXXX GA in XXXX, I did put in an official change of address with XXXX. As far as the XXXX bill goes, I was at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA until XX/XX/XXXX. So there's no excuse other than their incompetence for me not receiving XXXX # XXXX. Insofar as bill XXXX goes no bill was sent to XXXX XXXX XXXX XXXX, GA. My phone number has been the same since XXXX, yet I have received no phone call from either of the XXXX entities. I'm not even sure what services I received or where the services were provided nor what medical insurance I was using in XXXX. In XXXX I was using a prior XXXXXXXX XXXX provider ( XXXX ) and I'm sure any right to appeal any lack of coverage has long since lapsed. Non-payment of these charges is not my fault!

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 2022-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: IL

Complaint narrative:
I have contacted you regarding XXXX XXXX account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
I had to close bank account and I received my XXXX  money direct deposited and the bank took it because they say that I owe them money on fictitious charges that they accured on my closed account and they will not reject the payment or give me the money back on a XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was in college and XXXX  XXXX and someone tried to deposit a fake check in my account in XXXX Maryland. I contacted Bank of America and told them what happened and they still close my account. I asked him how did they close my account when they didnt do an investigation to make sure that it wasnt me. They had sent my parents the fake check that was deposited in my account and the signature on a check did not mess my signature at all so we were confused on why they closed it when thats not even my signature on that check. The check did not go through in my account but they still close my account. They kept saying I have to go to this and do this and do that I did everything you told me to do in a student help me with trying to open my account back up or do investigation. This all happened in XXXX and Im still trying to get this issue resolved.

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 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believed that it was mistake by Paypal, My transaction in my Paypal account XXXX last XX/XX/2022 was held by Paypal. After 6 months or 180 days more Paypal was taken my money in my Paypal account. It is unfair for my side. Paypal, please return it to me. I need that amount for my emergency purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Comerica
State: WA

Complaint narrative:
I am a XXXX veteran who served in the XXXX XXXX and I depend on US Direct Express to keep my money secure. They ended up locking my card and sending a new one to a place in XXXX XXXX XXXX XXXX, I've never been there, I live in XXXX XXXX XXXX. I had over {$1900.00} stolen from me and they have yet to put the funds back on the card. Usdirectexpress lies about saying they keep your account safe. I've even filed a police report with my local law enforcement. If you have a choice do not use US Direct Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14 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: IA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX Account Number : 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-11-14 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:
Ive submitted a dispute with Experian on XX/XX/2022 about companies reporting late payments to my consumer report without my written consent. When Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

I want all late payments removed from my consumer report from XXXX XXXX XXXX. 
XXXX XXXXXXXX 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 2022-11-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On 1/23/22, several fraud charges using Send and Split feature were posted on my AMEX  account. As soon as I saw these charges, I immediately called AMEX to inform them of fraud and that those transactions have not been authorized by me. Since XX/XX/XXXX I have called AMEX multiple times, i.e. XX/XX/XXXX, XX/XX/XXXX, etc. until last month because the amount has not been completely settled. I am still owed XXXX, and it has been painful to settle this issue with AMEX.

Please see the details below:
	        charges		                 reversalXX/XX/XXXXXXXX
XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX XXXX       XX/XX/XXXX	XXXXXX/XX/XXXX XXXX XXXX	
TOTAL     XXXX XXXX

I am hoping that you are able to assist me with this. Appreciate the support you can provide me. If you need additional information, please let me know.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: MD

Complaint narrative:
I disputed 2 accounts through Equifax asking for validation of a debt. The debt was not validated to me with proof of debt belonging to myself, However, Equifax sent a copy of my report with the collection in question still reporting in the same manner as before i took action on the dispute. They stated that the dispute has been concluded but have not included any proof ( Signed documents, Original contract, Initial agreement, etc ) validating this being my debt. Both collection accounts are still reporting as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
Lendmark financial services are sharing my personal information to the credit beauras such as my payment history. By law that is prohibited in state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: DISCOVER BANK
State: NC

Complaint narrative:
Look at this Complaint. 

Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

They are liars!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2022 I had XXXX and was so ill. I could not work for weeks and was on XXXX. 
I contacted XXXXXXXX XXXX XXXX. I called and spoke to someone and they stated I could be on a deferment since I was on XXXX I have paperwork to prove that I was ill. 
I never received the paperwork I could not get out of bed I was so very ill. I called as soon as I was able and they stated they emailed me but I never received the email. I called again and they stated that they would mail me the paperwork. I never received anything. By the time I called and spoke to a supervisor and was told I had to pay a fee and that I would be reinstated. I made a payment that day to bring current but little did I know I was already reported twice to the credit bureau and my credit score was lowered quite a bit I have contacted XXXXXXXX XXXX BUT they are no help at all. They have the worst customer service they never help me to help get this resolved or will get a supervisor to help. I communicated as soon as I could because of my illness. THEY ASSURED me that it has been on deferred payment status but that was not true. 
I now have 2 payments reported 1 30day and 1 60day late reported I would appreciate help in this matter. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted you regarding consumer adjustment account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: MECHANICS BANK
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We closed on our home XX/XX/2022 and the payment was disbursed to PHH mortgage in the amount they stated was due. Afterwards, they changed the amount they say they are owed and still can not tell us what is owed to clear the loan. In the meantime they have strung us along with no answers and have damaged my credit reporting about a loan that had the money sent to them and we do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received an alert from XXXX XXXX today that I had a hard inquiry on my TransUnion and XXXX from XXXX  XXXX XXXX! I have not applied for any credit from XXXX XXXX XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I realized my identity was stolen when I received a notification on my phone from Chase bank regarding a withdrawal from my checking account. After a closer look at the account, I found a lot more fraudulent activities span from XX/XX/XXXX to XX/XX/XXXX. There were five fraudulent withdrawals from various Chase bank locations in the total amount of {$15000.00}. 

I was shocked at how easy it was for the fraudsters to walk into a national bank and just take money out of my bank account. Almost immediately after the discovery, an identity theft report with Chase and a grand larceny police report were filed. 

After a couple weeks of painstaking communications with Chase bank, I was partially reimbursed {$11000.00} on XX/XX/XXXX. I went to my branch to request a withdrawal all of my funds and close the account. A supervisor on site told me that my account as frozen at the moment and refused my request. " There's no need to close it, you can continue to make deposits and make withdrawals after account unfreezes '' as the supervisor explained. I trusted his words, but that was a mistake. 

On XX/XX/XXXX {$20000.00} was fraudulently withdrew from the same checking account that I was denied access a couple weeks back. And a {$3300.00} fraudulent purchase was made at XXXX XXXX with my debit card information. How is this possible? I was speechless at what was unfolding in front of my eyes. After I notified the authorities and Chase Bank of identity theft, Chase still let criminals walk into their branch and just take money out? After everything that has been reported and verified by their fraud department? 

I had to dispute again and close my account for good. However, this time Chase refused to admit their incompetence and flaw of the banking system that caused this mess. They denied a full reimbursement of the money stolen and sent me a {$3300.00} check before cut off all communication regarding this case. Chase still owes me {$21000.00} and I think they are keeping that money.

Company response to consumer: Closed with monetary relief