vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please disregard last request and I was wondering if I could get a generous REMOVAL of these hard inquiries and account in collections please? 

1collection Total balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-04-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting 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 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I first opened my credit card it was a cash back card. I had read that I can at any time change the rewards cash to points if I opened a credit card with them that had points back with purchases. I did call the company to confirm and it was confirmed. I opened a new card with points reward system and when I called the company now they tell me that I can not do that. I pointed to them that they should have a recording of that conversation and they could refer to that. They tell me it must have been a misunderstanding and they can not do any thing about that. Problem is I was planning a family vacation using those miles and no longer can and the cost would be prohibitive. They should honor what I was told and change the rewards dollars to points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. Despite my previous attempt to dispute this information, I have not received a response from XXXX to date. 

I am disputing the information regarding the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), which is reported incorrectly on my credit report. I disagree with the Balance of {$5100.00}, as I remember the amount to be lower. Furthermore, the Past Due amount should not be reported because this account is closed and charged-off. Therefore, I request that you delete the Past Due amount and correct the Balance reported for this account. In addition, I ask you to mark this account as disputed, so that it would not influence my credit score while this matter is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is follow on to Complaint XXXX. 
Loan Depot 's response includes factually incorrect information regarding their response to my complaint. As you can see in the attached letter to the XXXX XXXX XXXX, they DID refund the {$1000.00} dollars they paid to reinstate my policy in order to receive notification from the insurer that my policy did not have a lapse in coverage during the XX/XX/XXXX to XX/XX/XXXX period. This is a legalistic fallacy, as I'm 100 % certain that had any claim been made during that year, when my policy was in fact NOT in effect, the insurer would have denied the claim for lack of payment. That aside, I have difficulty understanding why they would tell one thing to the XXXX, and the exact opposite to the CFPB. In addition, part of the supporting documentation they sent to CFPB is for some other person at some other address and completely irrelevant to me or my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: CA

Complaint narrative:
There was a fraudulent charge on my credit card that is with Bank of America on XX/XX/2023 from a company called XXXX and I reported this on the same date at around midnight. I was made aware about this fraudulent charge through Bank of America 's security system that alerted me of suspiscious charges on XX/XX/2023 The card was locked and disabled. On XX/XX/XXXX, I contacted Bank of America both through phone and in person to dispute this charge and they told me it would take about 108 days to resolve. I ordered a new card on the same date and a new debit card just in case this was a security breach, even though Bank of America insists that the credit card information was stolen via a swipe machine. I also made attempts to contact XXXX about the charge, but both their phone number and email are automated to demand the contacter make an account through their website to even talk to someone and their address is a mailing address to a po box , and not a headquarters address. I have attempted to contact Bank of America about filing a police report but have been unable to get in contact with the fraud department and they expect me to pay for the fraudulent charge, as they now include it as a balance. Bank of America has failed to keep my information secured, has done poorly in responding to communications, and even went as far as to try making me pay for it with the threat of reoccuring balance charges. I am in the process of seeking a new bank to deposit my check and intend to shut down my bank of america account indefinitely.

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 2023-04-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
THEY KEEP GIVEN OUT MY INFORMATION TO THESE COMPANIES AND PUT THEM ON MY CREDIT REPORT WITHOUT CONTACTING ME FIRST WHICH IS AGANIST THE LAW HAVE NO CONTRACT WITH THEM PLEASE PRODUCE A CONTRACT WITH MY SIGNATURE ON IT OR TAKE THIS OFF AGAIN AND DO NOT PUT IT BACK ON THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: FL

Complaint narrative:
on XX/XX/2021 a mattress that I ordered online from XXXX XXXX was delivered at my home and left at my front door without my permission and without my signature.When I arrived home I found the Mattress soaked with rain seeing it was left outdoors .I tried for months to resolve the issue with the retailer XXXX  XXXX XXXX XXXX XXXX.with no success .they refused me a refund and would not honor their online return policy, or the state of Fl laws regarding returns.My complaint today is against the Synchrony Bank who I have a XXXX XXXX  Store Card .when I reached out to Synchrony Bank with my concerns they denied me any help in this matter and simply sided with XXXX XXXX without any relevant explanation .I paid off this account because I didnt want to jeopardize my credit score.I asked Synchrony Bank to ask XXXX XXXX for a receipt verifying that I signed for this delivery as proof .But the rebuffed my request provided me no proof of anything and basically rubber stamped what the retailer did.So to reiterate a delivery was made to my home from XXXX XXXX in inclement weather left at my front door without my signature, when I reached out to the retailer I was denied a refund and when I filed a dispute with Synchrony, the denied my dispute giving me no relevant reason or no corresponding paper work that I requested from the retailer showing my signature or any paperwork where I okd a drop ship I was rushing home to receive the delivery I never dreamed they would have just left it outside.

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 2023-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC
State: DE

Complaint narrative:
They take it out of my paycheck as a wage attachments. They say I owe over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my back statements I seen there's been credits loaded from EDD and most Depits made are not mine. I never could used my EDD card at stores because it will decline I had to call the number behide the card first before I can used my card at any stores. And I couldn't go to bank of America to withdraw money because My EDD card had the name XXXX XXXX XXXX and my ID was XXXX XXXX so I never could of used that EDD prepaid card from bank of anerica. I got XXXX from EDD to my bank of America prepaid card. The mosti got was XXXX the rest I don't know what happen. There's transaction not from me or even return purchases that I never return. In the month of XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  I had a balance of XXXX plus credits XXXX and new balance of XXXX credit and summary of transactions XXXX were depit from my account in 1 months. You can see my bank statements it only shows Depits where you can investigate n see on there cameras where they used card is not me or who ever tookthe money bank of America. I don't know all I know I did not used that money .when I would call bank of America n explain to them my problem after listening and knowing what I was talking about they will hang up on me even the manager of bank of America will hang up.

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 2023-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates tried to sue me for a debt they couldnt prove they say I owed. They froze my assets, made me miss payments on my bills and unable to take money out the bank. They sued me and had me go to court for something they couldnt provide proof. I also was getting constant harassing calls and letters after I told them not to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I get phone calls from portfolio recovery numerous times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX, I called US Bank about overdraft charges being made to my US Bank checking account ending in XXXX. US Bank removed those charges. While I was speaking to the US Bank Customer representative, I remember telling her that I was sick and tired of having to call each month about this matter and that if it didn't stop I was going to close my checking account. I then terminated the conversation. I ended this conversation not knowing that my US Bank checking account ending in XXXX was closed. When I logged back into my US Bank account, my checking account no longer appeared on my dashboard. This is a free senior account that I can not replace. After seeing that my US Bank checking account had been closed, I called US Bank to find out what happened. The US Bank representative whom I spoke with tried to help me reopen the account. After a few minutes of trying to reopen the account, the US Bank representative said that her " manager '' would not reopen the account. It was not my intent to close my US Bank checking account because it is a free senior account that I have used for many years.

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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I receive calls from PRA several times a day every single day 7 days a week. They took legal action but still call me every day. I filed a dispute and never received results from them. They call and pretend to me lawyers and threaten me with all kinds of things. Very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/23 my payroll check was deposited into chime. I transferrred XXXX to my daughter XXXX XXXX. Chime then locked my account for fraud. I sent all of the requested documents to them including a copy of my DL, social security card, proof of ownership of the account, and confirmation from the bank that my daughters debit card is tied to an account I am on. They have now closed my account and will not release the remaining balsjce of my paycheck. It is approximately {$980.00}. I would like my funds released to be aas soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have contacted XXXX  about I've called the company to tell them to quit calling so everyday and sending letters every week

Company response to consumer: Closed with non-monetary relief